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Posted by pallav on December 11, 2007, 2:29 pm
I've posted a few times here and people have given me wise responses.
I finally set up 403 account with Vanguard. I'll be maxing it out
every year. I decided with the following initial allocation. I have
about 39 years for retirement (assuming at age 65).
Vanguard Total Stock Market Index Fund 30%
Vanguard Total International Stock Market Index Fund 20%
Vanguard Morgan Growth Fund 13%
Vanguard Explorer Fund 12%
Vanguard Windsor Fund 10%
Vanguard REIT Index Fund 10%
Vanguard Total Bond Market Index Fund 5%
Is this a good initial mix for a young (and hence agressive) investor?
Or should I drop the 'active managed' funds and put it to the total
indices?
Also I have a ROTH IRA with Fidelity which has 4K and is invested in
Freedom Fidelity 2040. For next year, I'll max that out and have 9K.
I'm thinking I'd like to put this $9K (sell the Freedom fund) in an
emerging markets area as the growth is tax free and I think emerging
markets will continue to do well in the next 5-10 years. I'm a buy and
hold investor and am willing to ride out volatility.
I am however reluctant about investing a big chunk in China (I think
China has grown too fast too quickly) and I prefer India, South-east
Asia (i.e. Singapore, Thailand, etc) and other parts (Latin America/
Middle East/Eastern Europe)
Can people recommend some funds I can look at that will be good
investment? So far my possible list is VWO (Vanguard) or FIGRX
(Fidelity International Discovery Fund). I own a little bit in both of
them but FIGRX is well diversified international/developed economies.
I'm very happy with FIGRX and might add more to it but in a taxable
account.
I've been reading ETF Seeking alpha and a lot of the ETFs there have
good exposure in China. What about the Claymore BRIC (EEB)? Any other
emerging markets funds/ETFs I can research out? Thanks for your time
again.
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