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Vanguard Total International Stock Index fund? I own Vanguard Total Stock Market fund and it has been performing well I was thinking about investing in the International Fund for my ROTH IRA for the long term. Is this a good idea, or could I do better?

Do you think Total International Stock Index Fund is a good fund to buy now? I was wondering if Vanguard's Total International Stock Index Funds are good to invest in now? Rather than investing in domestic stock funds?

Vanguard Emerging Markets Stock Index Fund (International) .... ??? Currently I have my money in Vanguard Total International Stock Index and Vanguard Total Stock Index-- the Total stock index has been performing rather badly and I am thinking of transferrign the money fromt here to Emerging markets.. but have no exp. in those types--- any opinions, expertise highly appreciated =)

Fidelity Equivalent funds vis-a-vis Vanguard Funds? Please provide the equivalent Fidelity funds for the following Vanguard Funds. Vanguard Total Stock Market Index Fund (VTSMX) Vanguard Total International Stock Index Fund (VGTSX) Vanguard Emerging Markets Stock Index Fund (VEIEX) Vanguard REIT Index Fund (VGSIX) Vanguard Short-Term Treasury Fund (VFISX) Vanguard Intermediate-Term Treasury Fund (VFITX) Vanguard Long-Term Treasury Fund (VUSTX) Vanguard Inflation-Protected Securities Fund (VIPSX)

Need help choosing a Vanguard Fund? Hi all! I am 30 years old and have just started investing a few months ago. I was broke until I was 28 so that caused the late start. Anyways, here is my portfolio: 10K in Vanguard Total Stock Market Index 10K in Vanguard Total International Stock Index (additional $300 in each monthly) 4K in Vanguard Target Retirement 2040 (additional $333 monthly) 15K in Emigrantdirect CD at 5.20 APY I know I probably have too much in International Stock. I am more a risk taker but I think I need to diversified my portfolio a bit. I have another 15K to invest now, what should I buy from Vanguard? I am thinking about Star Fund, Vanguard Strategic Equity Fund, Value Index Fund, U.S. Value Fund, Wellington and Windsor I or II. Once the 15K in CD is matured, I will put the money in Vanguard as well. Thank you for your help.

Where should I countribute for these 401k fund options? Asset Allocation/Balanced Fidelity Freedom Income Fund Fidelity Freedom 2000 Fund Fidelity Freedom 2010 Fund Fidelity Freedom 2020 Fund Fidelity Freedom 2030 Fund Fidelity Freedom 2040 Fund Fidelity Freedom 2050 Fund Fixed Income Vanguard Admiral Treasury Money Market Portfolio PIMCO Stable Value Fund PIMCO Total Return Fund Vanguard Total Bond Market Index Fund Stock - (Growth/Income) Vanguard Institutional Index (S&P 500) Longleaf Partners Fund LSV Value Equity Fund Vanguard Mid Cap Index Fund Vanguard Small Cap Index Fund Vanguard REIT Index Fund Stock - (Growth) Fidelity Contrafund Fidelity OTC Portfolio Harbor Capital Appreciation Fund Marsico Growth Fund Royce Opportunity Fund International - (Stock) American New Perspective Fund Fidelity Diversified International Templeton Emerging Markets Fund Vanguard Emerging Markets Stock Index Vanguard Total International Stock Index Fund

Where to direct my Vanguard 401k investments? ? I've been investing for about 5 years now and have 20k saved up. However All my investments were sort of setup by default and I would like to set them up to my choosing. I currently have 7 different funds. *YTD returns in parentheses Short-Term Reserves: vanguard retirement savings trust (2.77%). Bond Funds: vanguard total bond mkt inst (5.64%) Domestic Stock Fund: vanguard extended mkt index signal (25.14%), vanguard primecap fund investor (10.68%), vanguard windsor fund investor (12.13%), vanguard 500 index fund signal (6.44%) International Stock Funds: vanguard international value fund (6.44%) I'm 28 and have a lot of time till retirement. I'd like to be conservative and a little aggressive with my investments but am clueless in the process.

Vangaurd Life Strategy Fund for over 5yrs? I can pay the minimum $3000 and make fixed contributions. Since im 18, im gong for the 9:1 ratio of stocks to bonds. Do u recomend this fund and/or my strategy? It would go a little somethin like this: Vanguard Total Stock Market Index Fund 25.0% Vanguard Asset Allocation Fund 14.2% Vanguard Total International Stock Index Fund 50.9% Vanguard Total Bond Market Index Fund 9.9% Also, this is probably a completely stupid question but imma ask it anyway; Do I have to have any assets to contribute to the Vanguard Assest Allocation fund?

How should I allocate my 401K retirement plan? Or who else would be able to help me with this? I'm 27 years old and it's through Vanguard. Thanks. These are the choices... Allocation for DEFINED CONTRIB MATCH PROGRAM Balanced Funds (Stocks and Bonds): Vanguard LifeStrategy Consrv Grwth VSCGX0724 Vanguard LifeStrategy Growth Fund VASGX0122 Vanguard LifeStrategy Income Fund VASIX0723 Vanguard LifeStrategy Mod Growth VSMGX0914 Other plan investments Short-Term Reserves: Stable Income Fund – 4248 Bond Funds: Vanguard Total Bond Mkt Index Inst VBTIX0222 Balanced Funds (Stocks and Bonds): Vanguard Wellington Fund Inv VWELX0021 Domestic Stock Funds: Alger Capital Appreciation Instl I ALARX3117 Marsico Growth Equity Fnd —2486 Vanguard Explorer Fund Investor VEXPX0024 Vanguard FTSE Social Index Inst VFTNX0223 Vanguard PRIMECAP Fund Investor VPMCX0059 Vanguard Total Stock Mkt Idx Inst VITSX0855 Vanguard Value Index Fund Inst VIVIX0867 International Stock Funds: AllianceBern Global Growth Adv ABZYX7642 T. Rowe Price International Discovery PRIDX1603 Vanguard International Growth Inv VWIGX0081 Values must total 100%

For the experts, how's this looking for a Vanguard index fund portfolio? Hi everyone, I'm 25 and realized how important it is to start investing at a young age...I've heard good things about Vanguard Index funds due to their low costs...I've decided to put my money in the following funds and ETFs accordingly and adding little every month (I have a Vanguard account to avoid commission fees). VTSMX (Total Stock Market): $3000 - I picked this one over the big VFINX because this one has more diversification (3500 stocks vs 500) plus already has the 500 stocks VFINX has. Same expense at 0.15%. VGTSX (Total International Stock): $3000 Expense 0.27% NAESX (Small-Cap): $3000 Expense 0.22% VGSIX (Real estate investment trusts): $3000 Expense 0.20% ETFS Materials (VAW) $1000 Expense 0.22% Emerging Markets (VWO) $1000 Expense 0.25% Utilities (VPU) $1000 Expense 0.22% Energy (VDE) $1000 Expense 0.22% Some of the ETF related Index funds (i.e. emerging markets) have purchase fees of $750 and for the ETF it's free so I went this way. I think this is pretty diversified. Also, I will be investing some in individual stocks but only after I have mastered the art of individual stock investing. For now, index funds are the best way to go. I've also added $5300 to Vanguard's Target 2050 Retirement Fund. Can I get your thoughts on this portfolio? Thanks in advance!! :)

How do these fund mix look for my retirement account? I'm 53 years old professional. I have $72,000 to invest pretax into my 401A plan and 403B plan through my employer. My fund choices are: 10% into Dodge and Cox International Stock Fund 10% into Vanguard Total Intl Stock Index Fund 60% into Vanguard 500 Index Fund 20% into Vanguard Total Bond Market Index 10% into Guranteed Portfolio Fund at 3.50% Do these funds look like a good mix for me for the next 3 years? Sorry 50% into Vanguard 500 Index Fund.

How should I allocate my 401A funds? I'm 53 years old medical professional, planning on retire when I'm about 67. I make about $170,000 a year. My current retirement savings about $900,000. House is payed off. My job is very secure. I have $49,000 to invest a year in my 401A plan. My choices of funds are these: Dodge & Cox International Stock Fund, Vanguard 500 Index, Vanguard Total Bond Market Index, Vanguard Total Intl Stock Index Fund and, Key Guaranteed Portfolio Fund, and Vanguard Extended Market Idx. There are more but these are the ones I like. For my age and situation described above, how would you allocate the funds % wise. I was going for: 10% Key Guaranteed, 10% Dodge and Cox International, 10% Vanguard Total International stock, 40% Vanguard 500 Index, and 30% Vanguard Total Bond. Please don't say see a financial adviser. I have had many and none had done any better than just going with "safe" funds mostly in Vanguard family. Thanks

How would you allocate the following funds to my 401A? I'm 53 years old medical professional, planning on retire when I'm about 67. I make about $170,000 a year. My current retirement savings about $900,000. House is payed off. My job is very secure. I have $49,000 to invest a year in my 401A plan. My choices of funds are these: Dodge & Cox International Stock Fund, Vanguard 500 Index, Vanguard Total Bond Market Index, Vanguard Total Intl Stock Index Fund and, Key Guaranteed Portfolio Fund, and Vanguard Extended Market Idx. There are more but these are the ones I like. For my age and situation described above, how would you allocate the funds % wise. I was going for: 10% Key Guaranteed, 10% Dodge and Cox International, 10% Vanguard Total International stock, 40% Vanguard 500 Index, and 30% Vanguard Total Bond. Please don't say see a financial adviser. I have had many and none had done any better than just going with "safe" funds mostly in Vanguard family. Thanks

Is this a good way to invest my money? I'm thinking of taking somebodies advice and putting about 3 quarters of my money in the Vanguard Total Stock Market Index Fund, and then putting the other quarter in the Vanguard Total International Stock Index Fund. I keep putting off investing my money because I didn't know where to start, but then somebody recommended putting all of my money into just these two index funds. The two funds automatically diversify your money, or so it would seem. Any thoughts?

How to diverisfy my 401k? I'm 24 and my employer matches 50 cent per 1 dollar. I'm not sure how to diversify my portofolio as my employer offers so many. Asset Allocation/Balanced Fidelity Freedom 2050 Fund % Fixed Income Vanguard Prime Money Market % PIMCO Stable Value Fund % PIMCO Total Return Fund % Vanguard Total Bond Market Index Fund % Vanguard Inflation Protected Securities % Stock - (Growth/Income) Vanguard Institutional Index (S&P 500) % Longleaf Partners Fund % LSV Value Equity Fund % Vanguard Mid Cap Index Fund % Vanguard Small Cap Index Fund % Vanguard REIT Index Fund % Stock - (Growth) Fidelity Contrafund % Fidelity OTC Portfolio % Harbor Capital Appreciation Fund % Marsico Growth Fund % Royce Opportunity Fund % International - (Stock) American New Perspective Fund % Fidelity Diversified International % Vanguard Emerging Markets % Vanguard Total International Stock Index Fund What's the difference between stock and stock growth? Co workers mentioned I should stay away from fixed income at all times and invest in international. I'm not sure how to diversify my portfolio. Any idea? This is what I decided on: Asset Allocation/Balanced Fidelity Freedom 2050 Fund 5% Fixed Income PIMCO Total Return Fund 5% Stock - (Growth/Income) Vanguard Institutional Index (S&P 500) 15% Vanguard Mid Cap Index Fund 15% Stock - (Growth) Fidelity Contrafund 20% Harbor Capital Appreciation Fund 15% International - (Stock) American New Perspective Fund 15% Vanguard Emerging Markets 10% Do you think I have too much? Should I reallocate?

How should I diversify my 401K? I am 28 and have $27,000 in my 401k. I have never diversified my portfolio and just let it default into the company settings. I know I am losing alot of money. Anyway here are my options Vanguard Prime Money Market Fund Vanguard Total Bond Market Index Fund Vanguard Wellington Fund Vanguard Windsor II Fund Vanguard Institutional Index Fund Touchstone Sands Capital Select Growth Fund - Class 1 Vanguard PRIMECAP Fund Vanguard Extended Market Index Fund Dimensional U.S. Vector Equity Portfolio Vanguard Explorer Fund Vanguard Total International Stock Index Fund WellPoint Common Stock Fund Target Retirement Income Fund Target Retirement 2015 Fund Target Retirement 2025 Fund Target Retirement 2035 Fund Target Retirement 2045 Fund Suggestions would be much appreciated! Thanks!

How should I allocate my new 401k? I'm 22, and the company I work for offers a 401k plan with 50% match. I'm new to all of this and have been doing some research on my options. I don't plan on withdrawing anything from it for a long time. Any professional/experienced help would be greatly appreciated. Below are funds I have to choose from: SHORT-TERM RESERVES Vanguard Prime Money Mkt Fund Vanguard Retire Savings Trust IV BOND FUNDS Vanguard Total Bond Mkt Index Inv BALANCED FUNDS (STOCKS & BONDS) Vanguard Asset Allocation Fund Inv Vanguard Convertible Securities Vanguard Target Retirement Income Vanguard Target Retirement 2015 Vanguard Target Retirement 2025 Vanguard Target Retirement 2035 Vanguard Target Retirement 2045 DOMESTIC STOCK FUNDS Dodge & Cox Stock Vanguard 500 Index Fund Inv Vanguard Explorer Fund Investor Vanguard Mid-Cap Index Fund Inv Vanguard PRIMECAP Fund Investor Vanguard Small-Cap Index Fund Inv INTERNATIONAL STOCK FUNDS Dodge & Cox Intl Stock SPECIALTY STOCK FUNDS Vanguard REIT Index Fund Inv

Which Vanguard fund should I invest in for? (5 yrs +, mod-high risk)? I have a Vanguard account and currently own shares of the Total Stock Market Index (doing OK), Total International Stock Market Index (not too happy), GAAEX not happy at all) Target Retirement 2045. 70% of my money is in Money Market fund and I want to place most of it in something more risky/rewarding since I won't be needing that money for at least 10-15 years. Should I just invest more in the Total Stock Market Index or are there better ones that I can invest in for my goals?

What are good good funds to invest in? I have researched a lot of different funds and wonder which ones are better than others. My investment style is more conservative. VRU Complete Investment Option Name Shortened Name Ticker Symbol 166 EuroPacific Growth Fund - Class R6 EuroPacific Growth Fnd RERGX 199 Fidelity Puritan Fund Fid Puritan Fnd FPURX 259 Growth Fund of America - Class R6 Growth Fnd of America A RGAGX 375 Neuberger Berman Partners Fund - Institutional Class NeuBer Partners Instl NBPIX 654 PIMCO Total Return Fund - Institutional Fund PIMCO TotalReturn Fnd Inst PTTRX 526 T. Rowe Price Small-Cap Stock Fund TRowePr Sml Cap Stk Fnd OTCFX 283 The Investment Contract Pool The Investment Contract Pool N/A 354 Parnassus Equity Income Fund Parnassus Eq Inc Ins PRILX 740 Vanguard Institutional Index Fund Vngrd Instl Index Fd IP VIIIX 708 Vankampen Mid Cap Growth Fund - Class A Van Kampen MidCap Growth A VGRAX 840 Vanguard MidCap Index Fund - Institutional Shares Vngrd MidCap Index - Inst VMCIX 766 Goldman Sachs Large Cap Value: Institutional GdmnScs Large Cap Val GSLIX 839 Vanguard Small-Cap Value Index Fund Vngrd SmCap Val Index VSIIX 726 Vanguard Small-Cap Growth Index Fund Institutional Shares Vngrd SmCap Grwth Index - Inst VSGIX 759 Vanguard Total International Stock Index Inv Vanguard Total Intnl Stock Index VGTSX 777 Vanguard Value Index Fund Vanguard Value VIVAX 729 T Rowe Price Retirement 2055 Fund TRowePr 2055 TRRNX 728 T Rowe Price Retirement 2050 Fund TRowePr 2050 TRRMX 723 T Rowe Price Retirement 2045 Fund TRowePr 2045 TRRKX 722 T Rowe Price Retirement 2040 Fund TRowePr 2040 TRRDX 721 T Rowe Price Retirement 2035 Fund TRowePr 2035 TRRJX 720 T Rowe Price Retirement 2030 Fund TRowePr 2030 TRRCX 719 T Rowe Price Retirement 2025 Fund TRowePr 2025 TRRHX 718 T Rowe Price Retirement 2020 Fund TRowePr 2020 TRRBX 717 T Rowe Price Retirement 2015 Fund TRowePr 2015 TRRGX 716 T Rowe Price Retirement 2010 Fund TRowePr 2010 TRRAX 715 T Rowe Price Retirement 2005 Fund TRowePr 2005 TRRFX 724 T Rowe Price Retirement Income Fund TRowePr Ret Inc Fund TRRIX 802 T Rowe Price Mid-Cap Value Fund TRowePr Mid Cap Val Fund TRMCX

Vanguard Portfolio Assistance? I plan to invest $400,000 in the following taxable account: 40% - Vanguard CA Intermediate term tax exempt fund (VCAIX) 40% - Vanguard Total Stock Market Index Fund (VTSMX) 20% - Vangaurd Tax Managed International Fund (VTMGX) I am 27 and hope not to touch the money until retirement in at least 30 years. I want a simple portfolio with a 60/40 split (I have a 401k but dont want that to come into consideration here). Am I on the right track or does anyone have any suggestions for improvement? Thanks in advance!

Vanguard Target Retirment funds V.S. managing your own investments? I am 21 years old and I am currently investing in the Vanguard Total Stock Market index fund. I have been thinking about moving the money to the target retirement fund for my age, I seriously get the impression though that vanguard allocates too much to very low risk investments and too fast, If i were to invest it in right now i think its about 7% bonds, and it increases every year till retirement. Does anyone else thing that those funds are a little too cautious? I was thinking about also just sticking with Total Stock Market Index and maybe add a International index fund as well, what do you guys think? Is there a specific age where I should start worrying about risk and shifting to bonds, etc.?

For the experts, how's this looking for Vanguard Index portfolio? Hi everyone, I'm 25 and realized how important it is to start investing at a young age...I've heard good things about Vanguard Index funds due to their low costs...I've decided to put my money in the following funds and ETFs accordingly and adding little every month (I have a Vanguard account to avoid commission fees). VTSMX (Total Stock Market): $3000 - I picked this one over the big VFINX because this one has more diversification (3500 stocks vs 500) plus already has the 500 stocks VFINX has. Same expense at 0.15%. VGTSX (Total International Stock): $3000 Expense 0.27% NAESX (Small-Cap): $3000 Expense 0.22% VGSIX (Real estate investment trusts): $3000 Expense 0.20% ETFS Materials (VAW) $1000 Expense 0.22% Emerging Markets (VWO) $1000 Expense 0.25% Utilities (VPU) $1000 Expense 0.22% Energy (VDE) $1000 Expense 0.22% Some of the ETF related Index funds (i.e. emerging markets) have purchase fees of $750 and for the ETF it's free so I went this way. I think this is pretty diversified. Also, I will be investing some in individual stocks but only after I have mastered the art of individual stock investing. For now, index funds are the best way to go. Can I get your thoughts on this portfolio? Thanks in advance!! :) I've also added $5000 to my Roth IRA account at Vanguard for the Target Retirement 2050 Fund. Thank you.

For the experts, how's this looking for a Vanguard Index portfolio? Hi everyone, I'm 25 and realized how important it is to start investing at a young age...I've heard good things about Vanguard Index funds due to their low costs...I've decided to put my money in the following funds and ETFs accordingly and adding little every month (I have a Vanguard account to avoid commission fees). VTSMX (Total Stock Market): $3000 - I picked this one over the big VFINX because this one has more diversification (3500 stocks vs 500) plus already has the 500 stocks VFINX has. Same expense at 0.15%. VGTSX (Total International Stock): $3000 Expense 0.27% NAESX (Small-Cap): $3000 Expense 0.22% VGSIX (Real estate investment trusts): $3000 Expense 0.20% ETFS Materials (VAW) $1000 Expense 0.22% Emerging Markets (VWO) $1000 Expense 0.25% Utilities (VPU) $1000 Expense 0.22% Energy (VDE) $1000 Expense 0.22% Some of the ETF related Index funds (i.e. emerging markets) have purchase fees of $750 and for the ETF it's free so I went this way. I think this is pretty diversified. Also, I will be investing some in individual stocks but only after I have mastered the art of individual stock investing. For now, index funds are the best way to go. Can I get your thoughts on this portfolio? Thanks in advance!! :) I've also added $5000 to my Roth IRA account at Vanguard for the Target Retirement 2050 Fund. Thank you.

People who are investment savvy PLEASE answer, just quick advice to a novice please? These are my employers 401K investment options, I currently am contributing 100% to the Vanguard Total Stock Market Index. With the market on the fritz, should I distribute it better and what do you recommend based on the options below. THANK YOU IMMENSELY FOR YOUR GUIDANCE!!!!! Vanguard PRIME Money Market Vanguard Short-Term Invest Grade Bond Fidelity US Bond Index PIMCO Total Return American High Income Trust # Vanguard Value Index # Vanguard Institutional Index # Vanguard Total Stock Market Index # Allianz CCM Capital Appreciation + Fidelity Contrafund Vanguard Growth Index # CRM Mid Cap Value Dreyfus International Stock Index + Nuveen NWQ Small Cap Value Roxbury Small Cap Growth Vanguard Small Cap Growth Index # Company Stock Fund Dreyfus Large Cap Equity I Dreyfus Limited-Term High Yld I BNY Mellon International Appreciation M Dreyfus Large Cap Value I Dreyfus Bond Market Index Basic BNY Mellon Bond Fund M Dreyfus Enhanced Income Institutional BNY Mellon Intermediate U.S. Govt M Dreyfus Instl Reserves Money Hamilton Dreyfus BASIC S&P 500 Index Fund Dreyfus Instl Reserves Treasury Fund GW&K Multi-Cap Equity Fund(A)

How should i allocated my 401k? hi , im 28 years old female and need help allocating my 401k. any advice would be much appreciated. below are my options..how much to put where? Stable Value Prudential Guaranteed Interest Account Fixed Income - Money Market Medley Money Market Account Prudential MoneyMart Assets Inc Fixed Income - Intermediate Bond Medley Diversified Bond Account Medley Government Income Account PIMCO Total Return Fund Admin Fixed Income - High Yield American Funds American Hi Inc Balanced - Blend Vanguard Balanced Index Institutional Balanced - Specialty Fidelity Advisor Freedom 2010 I Fidelity Advisor Freedom 2015 Fidelity Advisor Freedom 2020 Fidelity Advisor Freedom 2025 Fidelity Advisor Freedom 2030 Fidelity Advisor Freedom 2035 Fidelity Advisor Freedom 2040 Fidelity Advisor Freedom 2045 I Fidelity Advisor Freedom 2050 I Fidelity Advisor Freedom Inc Medley Conservative Balanced Account Medley Flexible Managed Account Large Cap Stock - Value Eaton Vance Large Cap Val Large Cap Stock - Blend Medley Capital Growth Account (VCA-10) Medley Equity Account (VCA-24) Medley Stock Index Account Vanguard Institutional Index Fund Victory Diversified Stock Fund Large Cap Stock - Growth Growth Fund of America Mid Cap Stock - Value Columbia Mid Cap Value Z Mid Cap Stock - Growth Alger MidCap Growth Institutional I Small Cap Stock - Blend Loomis Sayles Small Cap Value Instl Small Cap Stock - Growth Legg Mason ClearBridge Small Cap Growth Fund Class A Global Stock - Global/International Medley Global Account International Stock - Blend American Funds EuroPacific Growth Fund Specialty - Real Estate ING Real Estate Instl

My draft 401k plan..any suggestions? This is what I decided on: Asset Allocation/Balanced Fidelity Freedom 2050 Fund 5% Fixed Income PIMCO Total Return Fund 5% Stock - (Growth/Income) Vanguard Institutional Index (S&P 500) 15% Vanguard Mid Cap Index Fund 15% Stock - (Growth) Fidelity Contrafund 20% Harbor Capital Appreciation Fund 15% International - (Stock) American New Perspective Fund 15% Vanguard Emerging Markets 10% Do you think I have too much? Should I reallocate? I'm 24 and my employer maches 50cents to 1 dollar.

Which is the best investment option my 401K offers? I just want to contribute about 5 % (pre-tax) and have to distribute my contributions between the following: -Vanguard Prime Money Market Fund VMMXX -Vanguard Total Bond Market Index Fund VBMFX -Vanguard Wellington Fund VWELX -Vanguard Windsor Fund VWNDX -SunAmerica Value Fund Class Z -Vanguard 500 Index Fund -Vanguard PRIMECAP Fund -SunAmerica Focused Large Cap Growth Port -Janus Twenty Fund -Janus Small Cap Value Fund Institutional Shares -Baron Small Cap Fund -Vanguard International Growth Fund VWIGX -Alliance Bernstein International Value Fund AIVIX I'm new to stocks, investments so I would appreciate your advice. Bottom line how should I distribute it?

How should I invest my 401k? Hi I'm 24 and want to start my 401k, I plan on contributing $392 a month and the company I work for will match 50% up to 6% of the pay I put in. I don't know if I said that right lol. Thanks for the help, this is with Fidelity. These are my options... Stocks Large Cap: Vanguard Institutional Index Fund Institutional Plus Victory Diversified Stock Fund Class I Shares Mid-Cap: Vanguard Mid-Cap Index Fund Signal Vanguard Strategic Equity Inv CL Small Cap: TARGET Small Capitalization Value Portfolio Class T Vanguard Small-Cap Index Fund Signal International: AllianceBernstein International Style Blend Collective Trust Spartan International Index Fund - Investor Class Bond Investments Stable Value : ABN AMRO Income Plus Fund Income: PIMCO Total Return Inst CL

How should I allocate my 401(k)? I asked this before, but my company (Darden Restaurants) has changed some of the funds they offer, so I wanted to double check. Darden offers a variable match on the first 6% of income, which is the amount I contribute (this ends up being approx. $25 per week). I am 24 years old, and am willing to take on a good amount of risk since I have a long time before retirement, and understand that higher risk typically equals higher return in the long run. Here are my fund options: Vanguard Target Retirement Funds Harbor Capital Appreciation (Instl) Vanguard Total Bond Market Index # Vanguard Extended Market / INV # Vanguard Total Intl Stock Index Inv # + Vanguard Institutional Index Fund # Aston/Tamro Small Cap/I RVST Stable Capital Fund II Darden Company Stock Fund PIMCO Total Return Fund (Inst) Wellington Trust Mid Cap Opp Series III American Funds EuroPacific Growth (R6) # Davis New York Venture Fund (Y) This is my current allocation: Harbor Capital 30% Wellington 30% EuroPacific 30% PIMCO 10% I've noticed that this mix, over the past year or so, has consistently underperformed the S&P, which is why I'm asking y'all's opinions :) I think I want more international exposure, but maybe you can shed some light.. How do y'all recommend I allocate, given the options? Thanks! Chris So I should eliminate Large Cap funds altogether? How about this for a new mix: Wellington 30% Aston/TAMRO 30% Europacific 30% PIMCO 10% So that would be 30% mid, 30% small, 30% international and 10% bond. Whenever I change my allocation, should I move the money already in the previous funds into the new ones? Or just leave them, and have future contributions go to the new mix? Thanks for all your help!! -C

I need help with my 401k can you help? Can anyone tell me which ones are doing good right now out of my list. *Stable Value *Vanguard Total Bond Market Index Fund *PIMCO Total Return *Vanguard Balanced Index Fund *Dodge and Cox Balanced *LifePath Index Retirement 1 *LifePath Index 2010 *LifePath Index 2020 *LifePath Index 2030 *LifePath Index 2040 *Dodge and Cox Stock *Vanguard Institutional Index *Vanguard PRIMECAP *Vanguard Total Stock Market Index *Vanguard Strategic Equity *Laudus Rosenberg US Small Cap *Fidelity Spartan International Index *American Funds EuroPacific Growth Fund

Is having a 403(b) a Roth IRA and a small DRIP portfolio too much? Let me start off by say that I don't earn much money, but I plan on improving that situation in future years! 1. I have a 403(b) at work, fees are a little high and fund selection is slim, I have selected the 3 index funds. 2. To balance things out I have a Vanguard Roth IRA with the Total International Index Fund (Non US). 3. I am also slowly assembling a small DRIP stock portfolio with the likes of PEP, PFE, PG and LMT. I have picked these stocks as they seem to have strong dividend potential and the DRIP plans have VERY low fees. NOW in the grand scheme of things is all of this overkill or spreading my meager earnings in too many directions? Thank you Yahoo Investing Community!

Do you think my 401K allocation is good? I don't know much about investing what do you think of this? Or should I just put 100% into LifeStrategy Mod Growth? Mix is 63.8 stocks, 36% bonds, and 0.2% short-term reserves. I'm 27 years old. Thanks. 65% in Vanguard LifeStrategy Mod Growth 15% Vanguard Total Stock Mkt Idx Inst 10% Vanguard Total Bond Mkt Index Inst 5% T. Rowe Price International Discovery 5% Stable Income Fund I see what you're saying Steve D. That's what I thought was the purpose of the Lifestyle funds but wasn't entirely sure. Thanks!

For the experts, how's this looking for a Vanguard index fund portfolio? Hi everyone, I'm 25 and realized how important it is to start investing at a young age...I've heard good things about Vanguard Index funds due to their low costs...I've decided to put my money in the following funds and ETFs accordingly and adding little every month (I have a Vanguard account to avoid commission fees). VTSMX (Total Stock Market): $3000 - I picked this one over the big VFINX because this one has more diversification (3500 stocks vs 500) plus already has the 500 stocks VFINX has. Same expense at 0.15%. VGTSX (Total International Stock): $3000 Expense 0.27% NAESX (Small-Cap): $3000 Expense 0.22% VGSIX (Real estate investment trusts): $3000 Expense 0.20% ETFS Materials (VAW) $1000 Expense 0.22% Emerging Markets (VWO) $1000 Expense 0.25% Utilities (VPU) $1000 Expense 0.22% Energy (VDE) $1000 Expense 0.22% Some of the ETF related Index funds (i.e. emerging markets) have purchase fees of $750 and for the ETF it's free so I went this way. I think this is pretty diversified. Also, I will be investing some in individual stocks but only after I have mastered the art of individual stock investing. For now, index funds are the best way to go. I've also added $5300 to Vanguard's Target 2050 Retirement Fund. Can I get your thoughts on this portfolio? Thanks in advance!! :)

People who are investment savvy PLEASE answer, just quick advice to a novice please? These are my employers 401K investment options, I currently am contributing 100% to the Vanguard Total Stock Market Index. With the market on the fritz, should I distribute it better and what do you recommend based on the options below. THANK YOU IMMENSELY FOR YOUR GUIDANCE!!!!! Vanguard PRIME Money Market Vanguard Short-Term Invest Grade Bond Fidelity US Bond Index PIMCO Total Return American High Income Trust # Vanguard Value Index # Vanguard Institutional Index # Vanguard Total Stock Market Index # Allianz CCM Capital Appreciation + Fidelity Contrafund Vanguard Growth Index # CRM Mid Cap Value Dreyfus International Stock Index + Nuveen NWQ Small Cap Value Roxbury Small Cap Growth Vanguard Small Cap Growth Index # Company Stock Fund Dreyfus Large Cap Equity I Dreyfus Limited-Term High Yld I BNY Mellon International Appreciation M Dreyfus Large Cap Value I Dreyfus Bond Market Index Basic BNY Mellon Bond Fund M Dreyfus Enhanced Income Institutional BNY Mellon Intermediate U.S. Govt M Dreyfus Instl Reserves Money Hamilton Dreyfus BASIC S&P 500 Index Fund Dreyfus Instl Reserves Treasury Fund GW&K Multi-Cap Equity Fund(A) thanks, i'm 33, income is 56500, and I contribute 5% (all I can), i work for a bank in ny