About 17.5% of our retirement accounts are in a Vanguard rollover-IRA plan. The existing allocation is as follows:
To achieve the 40-40-20 for this account across domestic, international, and bond funds, we shifted funds out of the 3 domestic funds into the international fund and the bond fund. Also, for the international area, we shifted out of VGTSX, a diversified international fund into VPACX, a fund focused on stocks in countries in the Pacific – since our 401K has just 1 international choice which is a large cap fund loaded with stocks from developed countries in Europe and North America, selecting VPACX provides a little global diversification overall. Here is our new allocation:
The rest (about 22.5%) of our retirement accounts are in a Fidelity plan sponsored by one of our old employers. The existing allocation is as follows:
This account was rolled over to a Fidelity IRA account and that should allow for lesser fees along with flexibility on the options available. For the domestic area, we added FCPGX, a fidelity small-cap growth fund in place of PRGFX. For the international area, we chose VWO, an MSCI emerging market index ETF instead of PRITX. This provides diversification as our international fund selections in our other IRA account and the 401K accounts provided us with no emerging market exposure. For the bonds/alternative area, we chose FIREX, an international real-estate fund. The new allocation in the rolled over Fidelity IRA account are as follows:
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 | VFINX | 39.4% |
| International | VPACX-15.27, VGTSX-15.8 | 31.07 |
| Bonds | VIPSX-14.74, VBTLX-14.59 | 29.33 |
| Others | VTTHX | 0.18 |
To achieve the 40-40-20 for this account across domestic, international, and bond funds, we shifted funds out of the 3 domestic funds into the international fund and the bond fund. Also, for the international area, we shifted out of VGTSX, a diversified international fund into VPACX, a fund focused on stocks in countries in the Pacific – since our 401K has just 1 international choice which is a large cap fund loaded with stocks from developed countries in Europe and North America, selecting VPACX provides a little global diversification overall. Here is our new allocation:
| Sector | Funds | New % Allocation |
| Domestic | VFINX | 40% |
| International | VPACX | 40 |
| Bonds | VIPSX-10, VBTLX-10 | 20 |
The rest (about 22.5%) of our retirement accounts are in a Fidelity plan sponsored by one of our old employers. The existing allocation is as follows:
| Sector | Funds | Current % Allocation |
| Domestic | PRGFX-35.77, FSPTX-9.5, FSPHX-10.5 | 55.77 |
| International | PRITX | 31.23 |
| Bonds/Alternative | Cash Balance Pension Plan | 13 |
This account was rolled over to a Fidelity IRA account and that should allow for lesser fees along with flexibility on the options available. For the domestic area, we added FCPGX, a fidelity small-cap growth fund in place of PRGFX. For the international area, we chose VWO, an MSCI emerging market index ETF instead of PRITX. This provides diversification as our international fund selections in our other IRA account and the 401K accounts provided us with no emerging market exposure. For the bonds/alternative area, we chose FIREX, an international real-estate fund. The new allocation in the rolled over Fidelity IRA account are as follows:
| Sector | Funds | New % Allocation |
| Domestic | FCPGX-20, FSPTX-9.5, FSPHX-10.5 | 40 |
| International | VWO | 40 |
| Bonds/Alternative | Cash Balance Pension Plan – 13, FIREX-7 | 20 |
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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