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Is it still generally recommended to set a 401k to a US Total Stock Index Fund, an International, and a US Bond Market fund as in Bernstein's booklet? I've had my stuff on TRIP2050 and i'm interested in taking a more active approach. My stuff is via Fidelity so it'd something like: 34% FXAIX, FPADX (at 80:20) 33% FSPSX 33% FXNAX I am maxing out my contributions, as a note. Deviant fucked around with this message at 16:12 on Mar 28, 2024 |
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Mar 28, 2024 16:10
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drk posted:A three fund portfolio is still a very good default for long term investors. How would you balance it out, then? I had included the emerging markets fund because my understanding was that FXAIX and FPADX would provide equivalent exposure to say, VTSAX which i know is popular but unavailable to me. Though I see I may be conflating FPADX and FSMAX (Emerging vs Extended) Edit: Here's what I have the choices of: quote:Short Bonds/Stable/MMkt Deviant fucked around with this message at 16:47 on Mar 28, 2024 |
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Mar 28, 2024 16:37
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KYOON GRIFFEY JR posted:What are you actually trying to achieve in terms of objectives for portfolio construction? It sounds like you believe actively managing fund selection is better per se, not because you have any real issue with the way a TDF is allocated. Unless you have specific goals you are trying to achieve there isn't much point, other than maybe reducing expense ratios. My specific goal was that I read the booklet in the OP (which is probably somewhat out of date) which recommends this sort of allocation, and I was wondering if that's still a good thing to do vs just letting my money sit in TRIP2050 (VFIFX) where it is now.
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Mar 28, 2024 16:47
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i won't sweat it, then. i've gotten this far.
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Mar 28, 2024 17:38
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