Re continuing to contribute to your 401(k) - if you have a match, I'd consider continuing to contribute up to that amount. Then into a [Roth] IRA. One thing I'd also look at would be the Vanguard GNMA fund in your 401(k) - 15ish percent would get you close to 50/50 stock/bond (even if none/few of t...

And yes, my 401k plan is a giant pile of turds :) Wish I had realized this years ago... A lot of us have this issue.  Just do the best you can.  You'll be surprised at the options you discover once you get things going. Do be aware that the bonds in the Wellington fund are not all Treasury bonds (m...

Sometimes in life we have to settle for the good when the ideal is just not a viable option at the moment. 401ks are a real bear and it's rare that I have seen any that were really conducive to the HBPP. The PP is the ideal in this case and it probably is just not going to work out perfectly becaus...

Yeah... The Wellington fund is more of a typical 60/40 Booglehead strategy.  Adding a bit of gold to it smooths out the ride a bit.  The cash is so you don't have panic sell in an emergency. It's not the PP, exactly, but it's a very safe way to invest until you have some additional resources availa...

AdamA wrote: In your situation I would probably put the entire 401k in the Wellington fund and then split the other 25% between gold and cash.

You could modify it in the future.

VWELX shows allocations of:

Stocks 64.79%
Bonds 32.72%

How's your math work out with your above? Confused ...

Hi Guys, Looking for some 401k advice (ah, who isn't - I know, common thread!). I've lurked these forums for years at this point. Turned 30 this year and decided I need to get my shit together. My investments are broken down by basically down into the following buckets: 401k - 75% Roth IRA - 5% Bull...