Close to 60% of our 401K and Rollover IRA accounts are in a Fidelity plan sponsored by one of our existing employers. The allocation was as follows:
This plan offers several domestic stock fund choices but only one international & one bond mutual fund. To achieve the 40-40-20 split for this account across domestic, international, and bond/alternative funds, we shifted funds out of the 3 domestic funds into the international fund and the bond fund. Also, the domestic funds under performed significantly and so we diversified out of these funds to other choices in the same sub-sectors. Here is our new allocation:
Just about 1% of our 401K and Rollover IRA accounts are in a Schwab plan sponsored by our other employer. The existing allocation is as follows:
We kept the allocation as is for this account – it forms only a very small portion of our overall portfolio and so it has very little impact on the targeted overall split up.
Related Posts:
1. 401K/IRA Account 2007 Performance Summary.
2. 401K/IRA Account – Asset Allocation for 2008 – Part 1.
3. 401K/IRA Account – Asset Allocation for 2008 – Part 2.
4. Retirement Portfolio – Mid Year Update.
5. Asset Allocation Adjustments to Retirement Portfolio in the face of market correction.
6. 401K/IRA/Retirement Account 2008 Performance Summary.
7. 401K/IRA/Retirement Account 2009 Reallocations.
8. 401K & Retirement Accounts Performance - Mid Year 2009 Update.
| Sector | Funds | Current % Allocation |
| Domestic | DODGX-30.64, HWMIX-19.98, AVPAX-22.35 | 72.97 |
| International | FDIVX | 27.03 |
| Bonds/Alternative | None | 0 |
This plan offers several domestic stock fund choices but only one international & one bond mutual fund. To achieve the 40-40-20 split for this account across domestic, international, and bond/alternative funds, we shifted funds out of the 3 domestic funds into the international fund and the bond fund. Also, the domestic funds under performed significantly and so we diversified out of these funds to other choices in the same sub-sectors. Here is our new allocation:
| Sector | Funds | New % Allocation |
| Domestic | DODGX-10, FUSEX-5, HWMIX-5, ARTMX-5, AVPAX-8, FSLCX-7 | 40 |
| International | FDIVX | 40 |
| Bonds/Alternative | FTHRX | 20 |
Just about 1% of our 401K and Rollover IRA accounts are in a Schwab plan sponsored by our other employer. The existing allocation is as follows:
| Sector | Funds | Current % Allocation |
| Domestic | CVGRX-35, SWPIX-30 | 65 |
| International | WBIGX | 35 |
We kept the allocation as is for this account – it forms only a very small portion of our overall portfolio and so it has very little impact on the targeted overall split up.
Related Posts:
1. 401K/IRA Account 2007 Performance Summary.
2. 401K/IRA Account – Asset Allocation for 2008 – Part 1.
3. 401K/IRA Account – Asset Allocation for 2008 – Part 2.
4. Retirement Portfolio – Mid Year Update.
5. Asset Allocation Adjustments to Retirement Portfolio in the face of market correction.
6. 401K/IRA/Retirement Account 2008 Performance Summary.
7. 401K/IRA/Retirement Account 2009 Reallocations.
8. 401K & Retirement Accounts Performance - Mid Year 2009 Update.
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