First look at portfolio since being newly married
Posted: Sun Jan 27, 2013 12:29 am
*Hi! My husband and I have been married for nearly a year now and it has taken me this long to formulate this post. Any thoughts would be greatly appreciated!! Thank you so much for taking the time to look!
Emergency funds: 1 month + ~$100,000 (saving for a house) located between Ally, Provident, ING Direct
Debt: Car loan = $15,000 @ 1.9%; Her school loan = $78,500 @ 5.5%
Tax Filing Status: Married filing jointly
Tax Rate: 28% federal, 9.3% state
Age: 29
Desired Asset Allocation: 80/20
Current portfolio:
Joint Taxable (Vanguard Traditional IRA):
9.22% Vanguard Total Stock Mkt Idx Inv (VTSMX) (0.18%)
His 401K
13.31% Dodge & Cox Stock Fund DODGX (0.52%)
3.97% Harbor Capital Apprciation Fund Institutional Class HACAX (0.66%)
0.75% Morgan Stanley Int Small Company MSSGX (1.05%)
6.81% Artisan Mid Cap Value Fund Investor Shares ARTQX (1.20%)
6.19% American Funds EuroPacific Growth Fund REREX (0.85%)
6.78% Dodge & Cox Balanced Fund DODBX (0.53%)
17.84% PIMCO Total Return Fund Institutional Class PTTRX (0.46%)
0.74% Vanguard Total Bond Market Index Fund Institutional Shares VBTIX (0.07%)
Future Allocation:
25% Dodge & Cox Stock
5% American Funds Growth Fund of Amer
15% Artisan Mid Cap Value Investor
15% American Funds EuroPacific Gr R4
25% PIMCO Total Return Instl
Hers 403B
2.3% PIMCO Totl Rtrn PTRAX (0.71%)
2.05% Vanguard Totl Bd VBTIX (0.07%)
1.06% Mainstay ICAP Eqty ICSLX (0.96%)
10.36% Vanguard Stock Mkt VITSX (0.05%)
1.21% Boston Small Cap BOSOX (1.01%)
0.60% Mainstay ICAP Intl ICEUX (0.95%)
5.83% Vanguard Totl Intl VTSGX (0.18%)
11.03% Vanguard TR 2050 VFIFX (0.19%)
Future Allocation:
10% PIMCO Totl Rtrn
10% Vanguard Totl Bd
45% Vanguard Stock Mkt
5% Boston Small Cap
30% Vanguard Totl Intl
New Annual Contributions:
His 401K: $17,500 (no employer match)
Her 401K: $17,500 + 4% employer match + additional 5% from employer
Her HSA: $3,250
Taxable: $6,500
Funds available in His 401K
Large Company
Dodge & Cox Stock DODGX (0.52%)
American Funds Growth Fund of Amer RGAEX (0.68%)
Schwab S&P 500 Index SWPPX (0.09%)
Small/Mid Co.
Artisan Mid Cap Value Investor (ARTQX) 1.20%
Fidelity Spartan Extended Mkt Index (FSEMX) 0.10%
Morgan Stanley Inst Small Company G (MSSGX) 1.05%
Robeco Small Cap Value II (BPSIX) 1.30%
TimesSquare Mid Cap Growth Instl (TMDIX) 1.08%
Int/Global
American Funds Capital World G/I R4 (RWIEX) 0.80%
American Funds Euro Pacific Gr R4 (REREX) 0.85%
BlackRock EAFE Equity Index Collective T
Balanced
Dodge & Cox Balanced (DODBX) 0.53%
Bonds
PIMCO Total Return Instl (PTTRX) 0.46%
Vanguard Total Bond Market Index In (VBTIX) 0.07%
Funds available Her 403b
Short Bonds/Stable/MMkt
Western LiqdRsrvsnd 0.20
Interm./Long-Term Bonds
PIMCO Totl Rtrn 0.71
Vanguard Totl Bd 0.07
Large-Cap Stocks
Mainstay ICAP Eqty 0.90
Vanguard Stock 0.05
Small/Mid-Cap Stocks
Boston Small Cap 1.01
C&S GlbRealty 1.24
International Stocks
Mainstay ICAP Intl 0.95
Vanguard Totl Intl 0.18
Templeton ForeignSm 0.95
Aberdeen Emerg Mkt 1.03
Multi-Asset/Other
Vanguard Rtrmt Inc 0.17
Vanguard TR 2015 0.17
Vanguard TR 2020 0.17
Vanguard TR 2025 0.18
Vanguard TR 2030 0.18
Vanguard TR 2035 0.19
Vanguard TR 2040 0.19
Vanguard TR 2045 0.19
Vanguard TR 2050 0.19
Funds available in Her HSA
Dodge & Cox DODFX (0.64%)
T. Rowe Price PRFDX (0.68%)
Dreyfus DISSX (0.50%)
Harding Loevner HLEMX (1.49%)
Fidelity FDCAX (0.95%)
Fidelity FBCVX (0.76%)
Dreyfus DGAGX (0.97%)
Dodge & Cox DODIX (0.43%)
Laudus SWOIX (1.53%)
Baron BSCFX (1.31%)
Vanguard Large Cap Index Signal VLCSX (0.1%)
Questions:
1) Am I doing anything majorly wrong? (besides having school loans and a car loan) My excel spreadsheet says I am currently at 74% stocks and 26% bonds. The bond chunk is mostly from my husband's 401K.
2) Where should I put my HSA money as it accumulates?
3) If my husband and I were to each contribute to backdoor IRA, should I put the money in stocks? If so, increase my allocation to bonds in our 401K/403b?
Again, many thanks for comments.
Emergency funds: 1 month + ~$100,000 (saving for a house) located between Ally, Provident, ING Direct
Debt: Car loan = $15,000 @ 1.9%; Her school loan = $78,500 @ 5.5%
Tax Filing Status: Married filing jointly
Tax Rate: 28% federal, 9.3% state
Age: 29
Desired Asset Allocation: 80/20
Current portfolio:
Joint Taxable (Vanguard Traditional IRA):
9.22% Vanguard Total Stock Mkt Idx Inv (VTSMX) (0.18%)
His 401K
13.31% Dodge & Cox Stock Fund DODGX (0.52%)
3.97% Harbor Capital Apprciation Fund Institutional Class HACAX (0.66%)
0.75% Morgan Stanley Int Small Company MSSGX (1.05%)
6.81% Artisan Mid Cap Value Fund Investor Shares ARTQX (1.20%)
6.19% American Funds EuroPacific Growth Fund REREX (0.85%)
6.78% Dodge & Cox Balanced Fund DODBX (0.53%)
17.84% PIMCO Total Return Fund Institutional Class PTTRX (0.46%)
0.74% Vanguard Total Bond Market Index Fund Institutional Shares VBTIX (0.07%)
Future Allocation:
25% Dodge & Cox Stock
5% American Funds Growth Fund of Amer
15% Artisan Mid Cap Value Investor
15% American Funds EuroPacific Gr R4
25% PIMCO Total Return Instl
Hers 403B
2.3% PIMCO Totl Rtrn PTRAX (0.71%)
2.05% Vanguard Totl Bd VBTIX (0.07%)
1.06% Mainstay ICAP Eqty ICSLX (0.96%)
10.36% Vanguard Stock Mkt VITSX (0.05%)
1.21% Boston Small Cap BOSOX (1.01%)
0.60% Mainstay ICAP Intl ICEUX (0.95%)
5.83% Vanguard Totl Intl VTSGX (0.18%)
11.03% Vanguard TR 2050 VFIFX (0.19%)
Future Allocation:
10% PIMCO Totl Rtrn
10% Vanguard Totl Bd
45% Vanguard Stock Mkt
5% Boston Small Cap
30% Vanguard Totl Intl
New Annual Contributions:
His 401K: $17,500 (no employer match)
Her 401K: $17,500 + 4% employer match + additional 5% from employer
Her HSA: $3,250
Taxable: $6,500
Funds available in His 401K
Large Company
Dodge & Cox Stock DODGX (0.52%)
American Funds Growth Fund of Amer RGAEX (0.68%)
Schwab S&P 500 Index SWPPX (0.09%)
Small/Mid Co.
Artisan Mid Cap Value Investor (ARTQX) 1.20%
Fidelity Spartan Extended Mkt Index (FSEMX) 0.10%
Morgan Stanley Inst Small Company G (MSSGX) 1.05%
Robeco Small Cap Value II (BPSIX) 1.30%
TimesSquare Mid Cap Growth Instl (TMDIX) 1.08%
Int/Global
American Funds Capital World G/I R4 (RWIEX) 0.80%
American Funds Euro Pacific Gr R4 (REREX) 0.85%
BlackRock EAFE Equity Index Collective T
Balanced
Dodge & Cox Balanced (DODBX) 0.53%
Bonds
PIMCO Total Return Instl (PTTRX) 0.46%
Vanguard Total Bond Market Index In (VBTIX) 0.07%
Funds available Her 403b
Short Bonds/Stable/MMkt
Western LiqdRsrvsnd 0.20
Interm./Long-Term Bonds
PIMCO Totl Rtrn 0.71
Vanguard Totl Bd 0.07
Large-Cap Stocks
Mainstay ICAP Eqty 0.90
Vanguard Stock 0.05
Small/Mid-Cap Stocks
Boston Small Cap 1.01
C&S GlbRealty 1.24
International Stocks
Mainstay ICAP Intl 0.95
Vanguard Totl Intl 0.18
Templeton ForeignSm 0.95
Aberdeen Emerg Mkt 1.03
Multi-Asset/Other
Vanguard Rtrmt Inc 0.17
Vanguard TR 2015 0.17
Vanguard TR 2020 0.17
Vanguard TR 2025 0.18
Vanguard TR 2030 0.18
Vanguard TR 2035 0.19
Vanguard TR 2040 0.19
Vanguard TR 2045 0.19
Vanguard TR 2050 0.19
Funds available in Her HSA
Dodge & Cox DODFX (0.64%)
T. Rowe Price PRFDX (0.68%)
Dreyfus DISSX (0.50%)
Harding Loevner HLEMX (1.49%)
Fidelity FDCAX (0.95%)
Fidelity FBCVX (0.76%)
Dreyfus DGAGX (0.97%)
Dodge & Cox DODIX (0.43%)
Laudus SWOIX (1.53%)
Baron BSCFX (1.31%)
Vanguard Large Cap Index Signal VLCSX (0.1%)
Questions:
1) Am I doing anything majorly wrong? (besides having school loans and a car loan) My excel spreadsheet says I am currently at 74% stocks and 26% bonds. The bond chunk is mostly from my husband's 401K.
2) Where should I put my HSA money as it accumulates?
3) If my husband and I were to each contribute to backdoor IRA, should I put the money in stocks? If so, increase my allocation to bonds in our 401K/403b?
Again, many thanks for comments.