Makes sense. This is the kind of feedback I was looking for. I appreciate the guidance.Yes I would absolutely move your international equities to her 401(k) and move your FZILX in Roth IRA to FZROX. That MSCI EAFE International Index fund is quite a good fund with its 0.09% expense ratio.Good point. I hadn’t considered moving the bond funds to her Securian account to more efficient manage AUM fees. That’s an easy switch. Unfortunately there doesn’t appear to be a great International fund option in her current 401k, however. Perhaps the iShares MSCI EAGE Intl Idx Instl, ER 0.09%could be an option to consider? I’d be open to hearing opinions on opting for this to keep the “dogs” in a 401k vs the Fidelity's Intl Zero Fund, ER 0.0%, that is in my ROTH right now.I see that you elected to keep the Fidelity US Bond Index in the old 401(k), whereas the same fund is also available in the current 401(k). Given that Securian adds a 0.39% additional fee, I would suggest that you add the dogs (er, bond funds) into the plan where there are more fees, and let the eagles (er, stock funds) fly high without being encumbered by fees.
My comment about the dogs and eagles above also apply to international equities. I absolutely subscribe to the diversification aspect of the international equities, but since I view them as dogs, I hold them in the retirement accounts, making Uncle Sam commiserate with me about their dog performance. Your view may vary.
For at least next 5 years your wife's 401(k) plan can be directed to just bonds and international equities while switching to US stocks in her old 401k and your Roth IRA.
Statistics: Posted by BuckeyeAaron — Sun Mar 10, 2024 7:05 am — Replies 9 — Views 846