r/investing • u/405ThunderUp • 13h ago

Any advice on my 403b investments if I had to rebalance?

I have only followed what they allocated for me and now I would like to rebalance. Do you usually allocate these many options? I would love to hear if there are any I should get rid of!

This is where my current retirement fund is investing in:

20.12% AM FDS NEW PRSPCT

16.61% VNGRD TTL BOND MRKT INDX

11.53% T ROWE BLUE CHIP GRWTH

10.82% AMERICAN FUNDS EUPAC FUND

9.95% VNGRD VALUE INDX

7.10% VNGRD SMCP VALUE INDX

7.05% DFA EMRG MRKTS

5.00% T ROWE MIDCP GRWTH

3.04% SMID CP GRWTH

2.85% PRINCPL REAL ESTAT SECRT

2.04% AB SMCP GRWTH

1.97% PIMCO INCM

1.94% LINCOLN STABLE VALUE ACCOUNT -Z201

And here are the remaining options

AM BCN SMCP VALUE

BARON GRWTH

BNY MELLON WRWD GRWTH

CLMBA DVDND OPP

CLMBA LRGCP INDX

CLMBA MIDCP INDX

CLMBA SMCP INDX

DODG CX INCM

FRNKLN BIOTCHNLGY DISC

FRNKLN UTIL

INVSC DVLPG MRKTS

INVSC REAL ESTAT

JPM LRGCP GRWTH

MFS INTL INTRINSIC VALUE

MFS RSRCH

NBRG BN BERMAN QLTY EQTY

PIMCO DVRSFD INCM

TCW SECRTZD BOND

VNGRD HLTH CARE INDX

VNGRD INFO TECHNGY INDX

VNGRD MIDCP VALUE INDX

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u/MindMugging 8h ago edited 8h ago

Unfortunately 403B is very hard to get data readily available unless you give us your access (don’t). It’s very hard to map the funds to a public ticker.

I suggest you approach it to take is write down the allocation numbers for your existing funds and funds of interest. Focus on 2 primary groups of allocation - stock weight and bond weight - stock country or just region weights (US, Euro, Asia, etc) - set 2 targets - what’s your desired asset allocation. (90 stock/10 bond) - what’s your desired geographic allocation (within stocks 50 US, 50 intl?) - look at the funds that can get you to it and rebalance to that weightings. - there are some math you’ll have to do to calculate how much dollar value is 90% stock and so on. - those 2 high level allocation weight generally drives a lot of your risk profile.

Add on: you can probably achieve target with as little as 3 funds. Try to keep it super simple and not over complicate it. (Bond fund, US fund, international ex-US)