Bogleheads :: View topic - Principal 401k and Vanguard Roth asset ...

Hello, I'm a new investor and I need some advice about assets allocation for my 401k and Roth IRA plans. Here 's my information, don't hesitate to ask me more questions if I forgot something or if this is unclear.

Thank you.

Emergency funds = 6 months of expenses

Debt: no debt

Tax Filing Status: Single

Tax Rate: 25% Federal 7% State State of Residence MD

Age: 30

Desired Asset allocation: 70/30

Intl allocation: 30% of stocks

401(k) represents 55% of my accounts.
100% Principal Global Investors Money Market Sep Acct 1.28%

Vanguard Roth IRA represents 45% of my accounts.
100% Vanguard Prime Money Market Fund (0030-88052477962 VMMXX) 0.23%

Current portfolio : less than $10 000 (I?m a new investor)

New annual Contributions
I started to contribute to my 401k and Roth IRA this year, so I?ll have $16,500 (no matching contribution from my company) on my 401k by the end of the year and $5,000 in my Roth IRA by the end of the year.

Funds available in 401(k)
Short-Term Fixed Income
Principal Global Investors Money Market Sep Acct 1.28%

Fixed Income
PIMCO Core Plus Bond I Separate Account 1.46%
Principal Global Investors Bond and Mortgage Sep Acct 1.43%
Principal Real Estate Inv U.S. Property Sep Acct 1.87%

Balanced/Asset Allocation
Multiple Sub-Advisors Principal LifeTime Strategic Income Separate Account 1.51%
Multiple Sub-Advisors Principal LifeTime 2010 Separate Account 1.59%
Multiple Sub-Advisors Principal LifeTime 2020 Separate Account 1.63%
Multiple Sub-Advisors Principal LifeTime 2030 Separate Account 1.65%
Multiple Sub-Advisors Principal LifeTime 2040 Separate Account 1.66%
Multiple Sub-Advisors Principal LifeTime 2050 Separate Account 1.68%

Large U.S. Equity
AllianceBernstein / Westwood LargeCap Value III Separate Account 1.66%
Am Century/Montag & Caldwell LargeCap Growth II Separate Account 1.82%
Principal Global Investors LargeCap S&P 500 Index Separate Account 1.03%
T. Rowe Price/Brown Advisory LargeCap Growth I Separate Account 1.51%
TS&W / Herndon LargeCap Value I Separate Account 1.66%

Small/Mid U.S. Equity
Columbus Circle Investors MidCap Growth Separate Account 1.53%
DFA/Vaughan Nelson/LA Capital SmallCap Value II Separate Account 2.08%
Emerald / Essex SmallCap Growth II Separate Account 1.91%
Goldman Sachs/LA Capital Mgmt MidCap Value I Separate Account 1.88%
Principal Global Investors MidCap S&P 400 Index Separate Account 1.03%
Principal Global Investors SmallCap S&P 600 Index Separate Account 1.03%
Principal Real Estate Inv Real Estate Securities Sep Acct 1.87%
Turner/Mellon/Jacobs Levy MidCap Growth III Separate Account 1.86%

International Equity
Fidelity / Schroders International I Separate Account 2.01%
Principal Global Investors International Growth Separate Account 1.90%

Questions:
1. What funds would you advise me to choose for my 401k(Principal) and Roth IRA (Vanguard)?

Source: http://www.bogleheads.org/forum/viewtopic.php?t=82921&start=0&mrr=1316797250

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