Wife has ~$21k in an old 401(k). I saw that Charles Schwab dropped all their ERs on index funds to like .03% or .05%. We're young (30) so I want to have an aggressive stance like I do with my stuff. I'm thinking about going 90/10 stock/bond, with the 90 being divided 80/20 to US and International marlets.
The Bond part seems easy, I'll just put $2100 in the Schwab US Aggregate Bond Index Fund (.04% ER)
Then I'll put $3780 into the Schwab International Index Fund (.06% ER).
The US stock portion ($15,120) is where I'm not sure. Which fund is best and why?:
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Schwab Total Stock Market Index Fund (.03% ER)
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Schwab S&P 500 Index Fund (.03% ER)
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Schwab 100 Index Fund (.05% ER)
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Schwab Small-Cap Index Fund (.05% ER)
Also, does my asset allocation sound good? Should I do more or less in one thing or another? We have some catching up to do. This is all my wife's retirement savings at 30 and mine are only $30k total.
Submitted May 10, 2017 at 10:16AM by blues65 http://ift.tt/2r1KZAE
