I’ve decided to lower my monthly contributions for the foreseeable future to just 5% pre-tax contribution and 1% for Roth contributions from 12% and 3% respectively. I’ve been contributing that amount for the past 2-3 years so I figured it was time to cut back. I will probably increase my contributions for a few months later on, but this is my plan for now.
While lowering my contributions and clicking around the website, I noticed that there were fees associated with all the funds that I’ve been contributing to so I decided to switch to index funds only and some low fee funds.
My current allocations are now:
|Large Cap Value Index Fund||15%|
|Large Cap Growth Index Fund||15%|
|S&P 500 Index Fund||15%|
|Small Cap Index Fund||15%|
|International Large Cap Index Fund||15%|
|International Small Cap Index Fund||5%|
|Emerging Market Equity Index Fund||5%|
|Short-Term Fixed Income Fund||10%|
|Stable Value Fund||5%|
I am aiming for 85% in stocks and 15% in fixed income. What do you think? What are your current allocations?