A little background on my current portfolio?.
Emergency funds: 12 months
Debt: No credit card debt, $7000 in student loans
Tax Filing Status: Single
Tax Rate: 15% Federal, 6% State
State of Residence: MO
Age: 23
Desired Asset allocation: 60% stocks / 40% bonds
Desired International allocation: 33% of stocks
Current retirement assets
Taxable
none currently
His 401k
none currently just started new job earlier this week. Did not invest in 401k at last job.
His Roth IRA at Vanguard
100% Vanguard LifeStrategy Moderate Growth Fund (VSMGX) (.16)
Have only invested in 2011 and 2012 so under $10000
Contributions
New annual Contributions
his 401k (company match of 6% after 6 months, first day this past monday)
$5000 his Roth IRA
Available funds
Funds available in his 401(k)
Fidelity Growth Company Fund (FDGRX) (.84)
Fidelity Contrafund Fund (FCNTX) (.81)
Vanguard Small Cap Index Fund Institutional Plus Shares (VSCPX) (.12)
Blackrock Lifepath 2015-2055 (Varies) (Varies)
Couldn?t locate ticket symbol for following:
Fidelity Employee Savings Plan Stable Value Fund (.26)
Blackrock us treasury inflation protected securities fund f (100% AAA bonds) (.05)
BLACKROCK EQUITY INDEX FUND T Large Cap (.07)
Mellon Capital EB DL ACWI ex-U.S. Fund International Stocks (.15)
Questions:
1. What would you recommend of the available funds in my 401k would you invest in? What percentage of each? Which ones would you recommend to stay away from? I realize this may not be possible because I couldn?t locate some of the ticker symbols and for that I apologize.
2. This is a very general question, but my company offers a roth 401k option. Am I allowed to invest in both a roth 401k and roth ira, and max out both?
Source: http://rothira.solve-up.com/roth-ira/which-funds-should-i-invest-in-for-my-401k/
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