Quote Originally Posted by Goatlife View Post
Rebalance the portfolio and go 50/50 stocks and bonds. Look at ur accounts and if ur paying a wrap fee and u own mutual funds in there make sure they are institutional share class and not just a shares. Look them up and see if there is a 12b-1 fee ( look the find up on yahoo finance). If there is pull the account and go somewheee else and tell them u want 50/50 account with etfs for equities and institutional share classes for the bonds. It’s not enough money to do something else with.

thus is not advice this is just what I would do in this situation.
ETF’s have higher expense ratios than mutual funds. Also, 12b-1 fees are included in the expense ratio. So all that matters is the net expense ratio.