Dougd
Guest
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I know a few of you are quite savy investors and was looking for some advice.
I'm 27 and have only been contributing for the last 3 months. My company offers 20 funds with 15 having fronts loads of 3.5-5%, no thanks. The remaining are the following:
Dodge and Cox Internaltional Stock ---- DODFX ----- .6%<O</O
Wells Fargo Advantage Small Cap Value Z ------ SSMVX ------ 1.36%
Wells Fargo Advantage Index Inv ------ WFVEX ------ .43%
American Funds Fundamental Invs R4 ------ RFNEX ------ .65%
<OWells Fargo Advantage Mid Cap Disciplined ----- SMCDX ----- 1.31%
My current contributions are 50% DODFX and 50% RFNEX. I was thinking of changing to 15% SSMVX but is 1.36% too high for consideration (40% DODFX & 45% RFNEX)? Everything I read says I should have an index fund, but most of what I am considering has fairly consistently beaten the S&P 500.
I recently bumped up my contribution above where my employer matches with everything loosing 10% recently, good idea or bad idea? Should everything over match go in a Roth IRA and what fund makes up a good Roth IRA? Should I just dump the money in a 2045 retirement-date, no-thinking fund?
Does anyone else's head spin trying to plan for the future?
I'm 27 and have only been contributing for the last 3 months. My company offers 20 funds with 15 having fronts loads of 3.5-5%, no thanks. The remaining are the following:
Dodge and Cox Internaltional Stock ---- DODFX ----- .6%<O</O
Wells Fargo Advantage Small Cap Value Z ------ SSMVX ------ 1.36%
Wells Fargo Advantage Index Inv ------ WFVEX ------ .43%
American Funds Fundamental Invs R4 ------ RFNEX ------ .65%
<OWells Fargo Advantage Mid Cap Disciplined ----- SMCDX ----- 1.31%
My current contributions are 50% DODFX and 50% RFNEX. I was thinking of changing to 15% SSMVX but is 1.36% too high for consideration (40% DODFX & 45% RFNEX)? Everything I read says I should have an index fund, but most of what I am considering has fairly consistently beaten the S&P 500.
I recently bumped up my contribution above where my employer matches with everything loosing 10% recently, good idea or bad idea? Should everything over match go in a Roth IRA and what fund makes up a good Roth IRA? Should I just dump the money in a 2045 retirement-date, no-thinking fund?
Does anyone else's head spin trying to plan for the future?