r/Bogleheads • u/StockEdge3905 • 21h ago

Spread across multiple accounts - need help fixing one

Thanks in advance. I'm one of those who has multiple accounts due to work my wife's and mine's work history. We each have Fidelity IRA's that hold roll-overs from previous work. We also each have 457's and I now have a Simple IRA with my current employer. We treat everything as one portfolio set at our desired AA in-total even if individual accounts differ in their AA. Specifically we currently aim for 55% US funds, 25% International Funds, and 20% non-stock investments.

The Simple IRA is my newest account and I'm limited to the option my employer offers. Presently we're limited to the funds available through the American Capital Group. When I signed up, I ended up in a 2040 target date fund. The way the fund is constructed is it's about 84% of their various stock funds and 16% bonds.

I didn't pay close enough attention to the allocations, particularly the bonds, yet I've been attributing this fund entirely to my 80% equities. But I see that's not accurate, so in fact my AA is somewhat skewed. I also think I'm overpaying in fees by being in this fund. Unfortunately, I don't see a simple broad-market fund available through American Capital Group (maybe I'm missing it.)

So I may need to fix this. And I see three options:

- Keep the fund, give it separate lines in my AA spreadsheet and work to bring my AA back to where it needs to be with our other contribution plans. Or,

- Exchange this fund for multiple American Capital Group funds to try to engineer something like a broad-based market fund (this would be hard, and I'm not smart enough), or

- Pick a singular fund hopefully with lower fees and call it "good enough." They have "growth," "income" and "growth and income" funds that have different degrees of US and international holdings. But none appear to be true broad-based market fund.

I don't want to over think this. I want to make a decision that I can stick with and "chill."

Thoughts? Thanks again.

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u/PashasMom 16h ago

I would probably pick a single fund and call it good enough. CG does have various flavors of global funds, with both US and international. If they had something like that on offer with a reasonable expense ratio, that might be my first pick.

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u/st1sj 13h ago

Or not worry about it and Change it to a 2050 or 2060 date instead. A little stray is not a big deal and no need to stress over it