Personal Investments • Creating Three-fund Portfolio at TIAA

Hello and thank you for the help!

I have limited options in a 403b that was just moved from Fidelity to TIAA by the university I work for. I am correcting what they've done by reallocating to the funds below.
I have listed all my options with an expense ratio under 0.34.

Fund | Expense | Allocation
Vanguard Institutional Index Fund Institutional Plus[VIIIX] | 0.02 | 43
Vanguard Total Bond Market Index Fund Institutional Plus[VBMPX] |0.03 | 10
Vanguard Growth Index Institutional[VIGIX] |0.04 |
Vanguard Extended Market Index Fund Institutional Plus Class[VEMPX] |0.04 | 11
Vanguard Short Term Bond Index Fund Institutional Plus Class[VBIPX] |0.04 |
Vanguard Total International Stock Index Institutional Plus[VTPSX] |0.08 | 36
Vanguard Wellington Fund Admiral[VWENX] |0.18 |

So my questions are:

• In general, are there any issues here? Am I missing anything?

• Is there a benefit to rounding the values? (45, 10, 10, 35)

• Should I include VBIPX as part of the Bond portion?

• I have a separate Target date account and a pension. Should I have bonds at all as a 35 year old?

Thanks again

Statistics: Posted by mountainmoron — Tue May 21, 2024 2:12 pm — Replies 2 — Views 73

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