Personal Investments • Re: First time investing! Bogleheads, what do you think of these allocation choices?

Thank you so much for your reply. I think I've added the expense ratios for everything. I'm not sure what you mean by "a list of all the choices in your 401k plan." There are so many! There are pre-built portfolios, or "build your own" from which I can choose from 40 different investment options!

As for the funds in my IRAs, I just like gold, my dad bought that Apple stock for me a long time ago, but I have no idea how I came to own SYLD!

Her 401k - Principal LifeTime Hybrid 2050 CIT - 62.4% of portfolio;
Principal LargeCap S&P 500 Idx SP - (PLSAX) 36.05% - 0.38% expense ratio (ER)
Principal Diversified International R6 - (PDIFX) 13.24% - 0.79% ER
Principal MidCap S&P 400 Index SP - (PMFPX) 3.57% - 0.42% ER
Principal SmallCap S&P 600 Idx SP - (PSPIX) 1.67% - 0.17% ER
Principal Bond Market Index SP - (PNIIX) 1.56% - 0.13% ER
Principal US REIT Fund - Gross - (PRRAX) 1.42% - 1.22% ER
Principal Glb Emerging Markets R6 - (PIIMX) 1.39% - 1.03% ER
Principal International SmallCap SP - (PISMX) 1.33% - 1.08% ER
Principal High Yield R-6 - (PHYFX) 0.61% - 0.53% ER
Principal High Income Inst - (PHYIX) 0.07% - 1.05% ER

Her Roth IRA at Fidelity - 14.7% of portfolio
Fidelity Government Money Market (SPAXX) 6.6% - 0.42% ER
Cambria Shareholder ETF (SYLD) 6.0% - 0.59% ER
Vaneck Merk Gold Trust (OUNZ) 2.0% - 0.25% ER

Her Rollover IRA at Fidelity - 22.9% of portfolio
Fidelity Government Money Market (SPAXX) 5.7% - 0.42% ER
Vaneck Merk Gold Trust (Ounz) 2.0% - 0.25% ER
Apple Inc (AAPL) 15.1% - 0.87% ER (I think???)

Statistics: Posted by boglebabe1987 — Wed Jan 15, 2025 2:47 pm

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