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Finally at the point where we can start allocating money toward hubby’s 457. Don’t get a match so focused on maxing out our Roths and my 401K.
In our 40s, so may seem late starting this but it’s a second career and he already has pension from the first and will get one for this job too.
I know to avoid funds with front load and high expense ratios. Trying to figure what the best allocation and diversification is right for us. Any input greatly appreciated or if you know of a good site that might guide us
The following funds are available: (Ones with *have front loads)
American AM Cap R-4 (RAFEX)
American Balance R-4 (RLBEX)
American Beacon Small Cap Value (AVPAX)
American Capital World G&I R-4 (RWIEX)
American Century Equity Income – Inv (TWEIX)
American Century Gov Bond Inv (CPTNX)
American Century Heritage (ATHAX)
American Century Real Estate (REACX)
American Century Stgc Alloc Cons (TWSCX)
American Century Strat Alloc Aggres (TWSAX)
American Century Strat Alloc Mod (TWSMX)
American Europacific Growth R4 (REREX)
American Mutual R-4 (RMFEX)
Dreyfus Bond Market Index Inv (DBMIX)
Dreyfus International Stock Index (DIISX)
Dreyfus Midcap Index Fund (PSEPX)
Dreyfus S&P 500 (PEOPX)
Dreyfus Small Cap Stock Index (DISSX)
*Fidelity Advisor Energy A (FANAX)
*Fidelity Advisor Leverage Co Stock A (FLSAX)
*Franklin Flex Cap Growth A (FKCGX)
*Franklin Gold & Precious Metals (FKRCX)
*Franklin Growth A (FKGRX)
Janus Overseas Fund S (JIGRX)
JP Morgan Small Cap Equity Select (VSEIX)
*JP Morgan Small Cap Growth (PGXGX)
*Lord Abbett Fundamental Equity A (LDFVX)
MET GIC 25053 Class I (METGIC2)
Neuberger Real Estate Trust (NBRFX)
*PIMCO Total Return A (PTTAX)
*Ridgeworth High Income Fund A (SAHIX)
Schroder Internation Diversified Adv (SIDVX)
*Virtus Mid-Cap Value A (FMIVX)
In our 40s, so may seem late starting this but it’s a second career and he already has pension from the first and will get one for this job too.
I know to avoid funds with front load and high expense ratios. Trying to figure what the best allocation and diversification is right for us. Any input greatly appreciated or if you know of a good site that might guide us
The following funds are available: (Ones with *have front loads)
American AM Cap R-4 (RAFEX)
American Balance R-4 (RLBEX)
American Beacon Small Cap Value (AVPAX)
American Capital World G&I R-4 (RWIEX)
American Century Equity Income – Inv (TWEIX)
American Century Gov Bond Inv (CPTNX)
American Century Heritage (ATHAX)
American Century Real Estate (REACX)
American Century Stgc Alloc Cons (TWSCX)
American Century Strat Alloc Aggres (TWSAX)
American Century Strat Alloc Mod (TWSMX)
American Europacific Growth R4 (REREX)
American Mutual R-4 (RMFEX)
Dreyfus Bond Market Index Inv (DBMIX)
Dreyfus International Stock Index (DIISX)
Dreyfus Midcap Index Fund (PSEPX)
Dreyfus S&P 500 (PEOPX)
Dreyfus Small Cap Stock Index (DISSX)
*Fidelity Advisor Energy A (FANAX)
*Fidelity Advisor Leverage Co Stock A (FLSAX)
*Franklin Flex Cap Growth A (FKCGX)
*Franklin Gold & Precious Metals (FKRCX)
*Franklin Growth A (FKGRX)
Janus Overseas Fund S (JIGRX)
JP Morgan Small Cap Equity Select (VSEIX)
*JP Morgan Small Cap Growth (PGXGX)
*Lord Abbett Fundamental Equity A (LDFVX)
MET GIC 25053 Class I (METGIC2)
Neuberger Real Estate Trust (NBRFX)
*PIMCO Total Return A (PTTAX)
*Ridgeworth High Income Fund A (SAHIX)
Schroder Internation Diversified Adv (SIDVX)
*Virtus Mid-Cap Value A (FMIVX)
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