Portfolio Analyzer

**jIM_Ohio** · 09-07-2008, 01:28 AM

morning star xray for me

exactly what needs to be analyzed?

**LivingAlmostLarge** · 09-07-2008, 09:10 AM

The OVERdiversification of our portfolio. I gave my DH a chance to do what he wanted this year with um, unusual results. I will talk about it when I do more gathering. Sigh.

Sometimes to keep the peace. Do you have to pay for morning star xray?

**jIM_Ohio** · 09-07-2008, 10:55 AM

I get xray free from TRP.

You may need to create an online account to get free access from TRP. Try this link T. Rowe Price: Interactive Tools

You might be able to get similar analysis from Vanguard or morningstar.

**jIM_Ohio** · 09-07-2008, 11:01 AM

And I don't think overdiversified is a concern- maybe overweighted, but consider this fund count:

My 401k is in 6 funds plus co stock
Wife's 401k is in 5 funds plus co stock
My Roth is in 5 funds
My rollover is in 6 funds, 3 are same as my Roth.
Wife's rollover is in one fund and her Roth has 7 others.

I know the allocation of each account is 75% domestic and 25% international. That 75 is knocked down to 72% in tax deferred accounts because of a 3% bond allocation in those accounts.

How that 75-25 allocation is sliced in each account might be different. Wife's Roth slices this completely different than others in an effort to take more risk and get a higher return.

I am sure the funds would tell me I am overdiversified- We own 5 pure small cap funds in those accounts, plus sector funds (like tech) in wife's Roth which also hold small caps.

**atomicrc11** · 09-07-2008, 11:09 AM

I wouldn't worry too much about too many funds as long as the allocation is spreading you out over different types of stocks and bonds. If you have Fidelity and have $50,000 or more in your accounts, they will make a person booklet of what funds you own, how you might need to readjust funds and it even says which individual stocks you own the most of through your mutual funds.

Between two 403b's and two Roth IRAs my wife and I own 6 funds in each 403b and one fund in each Roth. When it comes to having employer sponsored plans, especially having them at more than one employer you are bound to have many funds. All I know if between them all we have the following diversification:

35% Large Cap Stocks
25% Mid-Cap Stocks
20% Small-Cap Stocks
10% International Stocks
10% Bonds

**jIM_Ohio** · 09-07-2008, 01:23 PM

If the selections of the spouse are aggressive different, then I would add that it's a good thing. Make sure the other 80% of what you invest is diversified.

Wife's Roth is not even 5% of our assets right now, it is invested very aggressively in sector mutual funds- most of the funds show long term returns in double digit territory. But as we know that comes with a price- financials losing 25% or 50% over last two years... same with tech 2000-2002.

So use the difference to get ahead. Not all investments need to align with the stars.

**LivingAlmostLarge** · 09-07-2008, 01:41 PM

I've been looking at things and I'll post later about it. Maybe tomorrow when there's more traffic.

Right now though we have 25% in cash because we just rolled DH's old 401k to Rollover IRA so we haven't invested it.

**Broken Arrow** · 09-07-2008, 09:49 PM

Basic X-Ray is free. Additional featues found in X-Ray requires membership. However, I have the membership for free by going through my local library, although I have yet to actually use their extended features....

Here is the link. The default setting is in $ amounts, but you can switch that over to % instead.

**mrpaseo** · 09-08-2008, 12:46 AM

I hope you directly rolled the 401k into a Roth, otherwise they should have kept 20% for taxes of which you must make up and re-invest within 60 days.

Ray

**LivingAlmostLarge** · 09-08-2008, 07:30 AM

Nope, I put it into a Rollover IRA. I don't think we qualify to put it into a Roth IRA. And there are no taxes.

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