Related Posts
Are we allowed to trade crypto on TD Ameritrade?
Any cybersecurity professionals from Wells Fargo,how is the company in terms for career growth, WLB, benefits, compensation and job satisfaction. I have accepted an offer from WF as it deemed fit and a good switch from SOC to an engineering profile. Looking to know more on the Cybersecurity space in Wells Fargo.
Role : Infosec eng.
More Posts
Book recommendations for a vacation?
In order to DM i need 11 likes. Please help me guys
Additional Posts in Personal Investment Chatter
Would you buy a brand new car in cash?
New to Fishbowl?
unlock all discussions on Fishbowl.




I would get rid of the sp500 and double the total market. Total stock market is for the most part, the same thing as sp 500. Look at the returns, they will be nearly identical over long periods of time. Is your 401k traditional or Roth. If traditional, put any bonds you want in there and keep all equity in Roth. If 401k is Roth it doesn’t matter. At 31 some bonds are ok but I would not do more than 10 to 20 percent at most. You are about 25 so a little higher than I would do but fine if it makes you comfortable
How old are you that you’re so heavy into bonds? Why so heavy on international?
Agree I would have either zero bonds or 10-20 at 31. I think the international issue also fine. I have about a third of my equity in international
Chief
I’d recommend 0% bonds. If you’re going to have them, you’re way too heavy. 
Pro
Dump the bonds. No point in having total stock market index and s&p 500, so just choose one.
Dump bonds for something aggressive, small cap growth perhaps? You’re way too young for that allocation
I think 0-20 is a reasonable percentage of bonds at 30. I think they are higher than I would be but it is not ridiculous to be 25 percent bonds.
If you are gonna own bonds, get them out of your Roth. Since Roth gains are tax free, put your highest growth/gain potentials there
I agree bonds are perfect for traditional Ira or 401k. If everything is Roth it depends if you want bonds in taxable or Roth. I lean toward taxable
Rising Star
Very little exposure to mid and small cap. Total market funds hold only a small percentage for these caps.
One approach can be S&P500 + Extended market fund so you can control the allocation on the large and the mid+small caps.
Other approach, stay with large cap index and add in growth funds for mid and small caps. These are high growth and Roth is the perfect place to hold them
Chief
Why no russ 2000?
I like total market with a small fund. I don’t like sp 500 as much because you miss out on the run up of Tesla for example. However that is a very rare occurrence, but could happen again.
I have a ton of dividend stocks (T, REITS...) in Roth. Wrong strategy?