How many funds

[skives]

The wife and I just opened Roth IRA accounts at the beginning of the year. Was just curious how many different mutual funds everyone invests in inside their IRAs?

[corn18]

Roth IRAs are 100% FIDO Total Stock index fund
Taxable is 66% FIDO total stock, 18% FIDO Total International, 17% FIDO muni index
401k is 18% FIDO total stock, 65% Dodge & Cox income (only bond fund they have), 17% FIDO Total international

So, 4 funds total.

I set it up this way for tax efficiency and maximizing growth in Roth's.

[disneysteve]

I think all of our accounts hold either 1 or 2 funds each (not counting the cash accounts). I can't check right now as I'm at work.

[Like2Plan]

Roth IRAs: total US stock market,
tIRAs: total US stock market, total international.
401ks: target retirement date fund and bond fund.

taxable: total US stock market (and 2 individual stocks)

[msomnipotent]

I am more much risk tolerant with the IRA's than I am our 401k, so one IRA has 90% target date fund and 10% cash until I decide where to invest it, and the other IRA is just some dividend fund. Our 401k has the large cap, small cap, foreign, and target date mix.

[Like2Plan]

Roth IRAs are 100% FIDO Total Stock index fund
Taxable is 66% FIDO total stock, 18% FIDO Total International, 17% FIDO muni index
401k is 18% FIDO total stock, 65% Dodge & Cox income (only bond fund they have), 17% FIDO Total international

So, 4 funds total.

I set it up this way for tax efficiency and maximizing growth in Roth's.

Technical question for you regarding your taxable: Do you find FIDO total stock market as tax efficient as Vanguard total stock market ?

[corn18]

Technical question for you regarding your taxable: Do you find FIDO total stock market as tax efficient as Vanguard total stock market ?

No clue personally, but they debate it a lot over on bogleheads and I think the conclusion is that VG is more tax efficient than FIDO. Not sure how they measure that as I really don't pay much attention.

I use FIDO funds because I use USAA for everything and I can buy FIDO funds with no fee. And my 401k is with FIDO.

[cypher1]

Between the Roth IRAs, traditional IRA , taxables I have primarily 4 funds: rough estimate is 80% between VTSAX (total stock market) and VSIAX (small-cap value), 10% VTIAX (total international stock), 10% VBTLX (total bond market).

Current 401K is Fidelity which I'll have to review later.

[LivingAlmostLarge]

a lot but I am trying to narrow it all down.

[TexasHusker]

If you are interested in a stock that is very much like a mutual fund, invest in some Berkshire Hathaway (brk.b). Berkshire of course is run by Warren Buffet, and the company owns large portions of a variety of different companies - transportation, agriculture, mining, entertainment, even real estate.

Your expense ratio will be zero. Your only expense is the commission to buy your shares.

I'm not an equities investor, but if I was, I would be on the Warren Buffet team and no one else's.

[Like2Plan]

No clue personally, but they debate it a lot over on bogleheads and I think the conclusion is that VG is more tax efficient than FIDO. Not sure how they measure that as I really don't pay much attention.

I use FIDO funds because I use USAA for everything and I can buy FIDO funds with no fee. And my 401k is with FIDO.

I believe it is measured by how much in capital gains your fund generates at the end of the year based on the buying and selling of underlying stocks within the fund.
Vanguard total stock market has had 0 during the time I have owned the fund which is what they strive for.

This makes a huge difference to me in tax planning because I am doing Roth conversions— unexpected year end capital gains could derail the whole thing very late in the game. (It is especially tricky since there are no more recharacterizations if too much was converted. )

[Scallywag]

I was fully invested in stock funds and I was invested by sectors - robotics, biotech, industrials, pharma, defense, retail and semi conductors. I am now out of the market but thinking of slowly sneaking back in.

i am wary of bonds esp as interest rates are projected to go back up - this is not a risk I want to take. I am also wary of oil stocks at this time. We'll see.

[TexasHusker]

I was fully invested in stock funds and I was invested by sectors - robotics, biotech, industrials, pharma, defense, retail and semi conductors. I am now out of the market but thinking of slowly sneaking back in.

i am wary of bonds esp as interest rates are projected to go back up - this is not a risk I want to take. I am also wary of oil stocks at this time. We'll see.

XOM is posting a PE of only 13-ish, with a forward dividend rate of 4.55%. That one looks pretty attractive to my untrained eye.

[Scallywag]

XOM is posting a PE of only 13-ish, with a forward dividend rate of 4.55%. That one looks pretty attractive to my untrained eye.

Yes but I am cautious after the recent drama between them, Guyana and Venezuela. Just waiting to see how things pan out before I buy them.

[Atretes1]

IRA is 2 funds. 457 is 4 funds.