I Tested Boldin's New Investments Tab With a Target Date Fund

Boldin: https://go.robberger.com/boldin/yt-investment-feature

Boldin just launched a new Investments feature, and it fixes something a lot of you have asked about: a retirement planner that actually shows your asset allocation.

To test it, I enter a single target date fund, VTINX, in a 403(b). Boldin looks through the fund and breaks the $210,000 into fixed income, US large cap, US mid and small cap, international developed, international emerging, and cash. It does the same thing across every account, so you can see your whole portfolio's allocation next to the target from your risk profile.

I also add VTI and VXUS to a 457(b) to show how multiple positions work. Then I cover what I hope Boldin adds next: a way to set your target allocation directly, and a link between this tab and the return assumptions in your plan. Finally, I compare it to Empower and Snowball Analytics.

I'm already using it in my own Boldin plan. If you use Boldin and haven't tried it yet, give it a look.

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#retirement #investing #robberger

0:00 Boldin's new Investments feature
0:40 The demo plan: a 403(b) with a return assumption but no allocation
2:24 The new Investments tab: how are you invested today?
2:57 Three ways to add positions: connect, upload a statement, or enter manually
3:39 Entering a target date fund (VTINX) by hand
4:38 The look-through: what's actually inside the fund
5:36 Your whole portfolio: today's allocation vs. your target
7:05 Adding multiple positions (VTI and VXUS) to a 457(b)
8:12 What I hope Boldin adds next
9:13 How it compares to Empower and Snowball Analytics
10:27 My bottom line

ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. I've since sold my websites, bought them back, and started a new website and this YouTube channel.

I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

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