Row 32570

Row ID: 32570 | Dataset Entry | Axioma AXP Content Repository

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This page contains data entry 32570 from the Axioma AXP content repository. The structured data below represents the complete record for this entry.

Transferring from EJ to Fidelity- Rollover and work 401k portfolio

Hello,

38m - Trying to retire around age 58-60

After reading about indexes for a couple weeks and reviewing my Edward jones accounts I realized I’m getting killed in fees for something I can set myself.

Here is a breakdown, I’m essentially asking if I should pick a target fund for a current workplace 401k or choose indexes like my rollovers.

Rollover IRA -119k, going to use a 2 or 3 index fund approach Rollover IRA 2- 25k, 2-3 index fund approach but more aggressive.

Money markets- 38k

Trad IRA - Max with money market and use a 2 or 3 index fund approach.

529 plan - $300 a month for our 2 y/o daughter.

Maxing HSA - our daughter is currently in chemo so we will need to use these funds on a payment plan for a few years.

Main concern/ question

Workplace 403b - contribute 15%. I just started so the fund is low, should I do a target fund (JP Morgan blend 2050)

Or

58% FXAIX 15% FXNAX (Fidelity bond) 12% FEMAX (mid/small) 15% FEGGX (fidelity global for international)

Filed separately for tax purposes last year, will need to see next year returns but planning to back door a ROTH next year if my wife and I qualify. ~~~~~~~~~~~~~~~~ Overall, index and chill and max IRA’s then keep saving to money market for liquidity. Advice much appreciated, I feel behind but I paid off 80k student loans in 3 year recently. Only debt is our house at 2.5% (1100/month) and probably buying a car next year preferably mostly cash.

FieldValue
text Transferring from EJ to Fidelity- Rollover and work 401k portfolio Hello, 38m - Trying to retire around age 58-60 After reading about indexes for a couple weeks and reviewing my Edward jones accounts I realized I’m getting killed in fees for something I can set myself. Here is a breakdown, I’m essentially asking if I should pick a target fund for a current workplace 401k or choose indexes like my rollovers. Rollover IRA -119k, going to use a 2 or 3 index fund approach Rollover IRA 2- 25k…
label r/investing
dataType post
communityName r/investing
datetime 2024-05-21
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Raw Record

{
  "text": "Transferring from EJ to Fidelity- Rollover and work 401k portfolio \n\nHello,\n\n38m - Trying to retire around age 58-60\n\nAfter reading about indexes for a couple weeks and reviewing my Edward jones accounts I realized I’m getting killed in fees for something I can set myself.\n\nHere is a breakdown, I’m essentially asking if I should pick a target fund for a current workplace 401k or choose indexes like my rollovers.\n\n\nRollover IRA -119k, going to use a 2 or 3 index fund approach \nRollover IRA 2- 25k, 2-3 index fund approach but more aggressive.\n\nMoney markets- 38k\n\nTrad IRA - Max with money market and use a 2 or 3 index fund approach. \n\n529 plan - $300 a month for our 2 y/o daughter. \n\nMaxing HSA - our daughter is currently in chemo so we will need to use these funds on a payment plan for a few years. \n\n\nMain concern/ question \n\nWorkplace 403b - contribute 15%.  I just started so the fund is low, should I do a target fund (JP Morgan blend 2050) \n\nOr\n\n58% FXAIX\n15% FXNAX (Fidelity bond)\n12% FEMAX (mid/small)\n15% FEGGX (fidelity global for international)\n\n\nFiled separately for tax purposes last year, will need to see next year returns but planning to back door a ROTH next year if my wife and I qualify. \n~~~~~~~~~~~~~~~~\nOverall, index and chill and max IRA’s then keep saving to money market for liquidity. Advice much appreciated, I feel behind but I paid off 80k student loans in 3 year recently. Only debt is our house at 2.5% (1100/month) and probably buying a car next year preferably mostly cash.",
  "label": "r/investing",
  "dataType": "post",
  "communityName": "r/investing",
  "datetime": "2024-05-21",
  "username_encoded": "Z0FBQUFBQm5Lak1IT3ZIYXhBZ3g2YmlyQXZpM2VDTmE4T0JnNGdTaTFzb2JMREtBbWdFZUFRT2xKWEhodVF2THphbS1acXBMbkV6bWxRb24tZjVONTlWWlVpVzVFeHFlOEE9PQ==",
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}
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