401(ok)/Roth fund choice ideas : personalfinance

by akoloy


I’m lastly moving into making changes to my 401(ok) Here is an inventory of my fund selections and present allocation. I’m beginning to max out employer match. I’m enjoying make amends for retirement and actually simply began the previous few years and this yr maxing out employer match. I’m 43, ~$65,000/yr solely $52k pupil loans, $4k on car, lease dwelling. I appear to be drawn to the 90/10 cut up in hopes of creating up floor.

Any ideas are appreciated.

Retirement quantity is <$35,000 proper now.

EMPLOYEE BEFORE-TAX 34.06%

EMPLOYER MATCH 21.69%

ROTH 401(Okay) 44.25%

fund ticker % Invested ER since inception

T ROWE PRICE STABLE VALUE Tr-A 0.30% 4.61% STABLE ALUE

VANGUARD ST INV GRADE BOND ADM  VFSUX 10.17% 0.10% 3.64% SHORT-TERM BOND

MFS TOTAL RETURN BOND FUND R6  MRBKX 0.36% 4.92% INTERMEDIATE CORE-PLUS BOND

AB HIGH INCOM AGDZX 0.54% 4.96% HIGH YIELD BOND

T ROWE PRICE RET I 2010 I TRPAX 0.37% 8.67% TARGET DATE

T ROWE PRICE RET I 2020 I  TRBRX 0.42% 10.39% TARGET DATE

AMERICAN BALANCED FUND R6 RLBGX 5.15% 0.26% 11.68% ALLOCATIO 50-70 EQUITY

T ROWE PRICE RET I 2030 I  TRPCX 0.49% 12.20% TARGET DATE

T ROWE PRICE RET I 2040 I TRPDX 0.51% 13.55% TARGET DATE

T ROWE PRICE RET I 2050 I TRPMX 0.52% 13.78% TARGET DATE

T ROWE PRICE RET I 2060 I  TRPLX 0.52% 13.78% TARGET DATE

MFS VALUE R6 MEIKX 0.47% 8.16% LARGE BLEND

VANGUARD 500 INDEX ADMIRAL VFIAX 20.27% 0.04% 7.31% LARGE BLEND

VANGUARD US GROWTH ADMIRAL VWUAX 9.77% 0.28% 9.25% LARGE GROWTH

WELLS FARGO SPEC MID CAP VAL – WFPRX 0.71% 11.17% MID-CAP VALUE

VANGUARD MID CAP INDEX ADM VIMAX 0.05% 10.70% MID-CAP BLEND

JANUS HENDERSON ENTERPRISE N  JDMNX 30.28% 0.66% 17.36% MID-CAP GROWTH

VANGUARD SMALL CAP INDEX ADM VSMAX 0.05% 10.04% SMALL BLEND

CARILLON EAGLE SM CAP GWTH R6  HSRUX 14.34% 0.66% 14.67% SMALL GROWTH

AM EUROPACIFIC GROWTH R6 RERGX 10.01% 0.46% 10.61% FOREIGN LARGE GROWTH

    99.99%



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