Portfolio Help

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Portfolio Help

Postby Mauricegreg » Sun Sep 01, 2013 7:13 pm

Goal: Save for retirement. I am 53 and want to retire at 65. My asset mix target is 60/40. I live in California and I am in the highest tax bracket.

I have a rather simple portfolio. In the wife and I IRA, I have one fund for each of our accounts:
1. Vanguard Balanced Index Admiral Class.

In my taxable account, I have three funds all Admiral Class:
1. Vanguard Total Stock Index (40%)
2. Vanguard Total International (20%)
3. Vanguard California Intermediate (40%)

In my 401(k) and Deferred Compensation Plan (two different accounts), I have one fund in each of them:
1. Northern Trust 500 Index Fund

I dollar cost average every pay period into my three taxable funds and into my 401(k) and Deferred Compensation Plan. My taxable account in the aggregate is larger than my non-taxable accounts and will remain so given stock options. My only concern was the lack of small cap exposure and whether a the Tax Managed International is a better choice than Total International Index.
Mauricegreg
 
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Re: Portfolio Help

Postby Grt2bOutdoors » Sun Sep 01, 2013 9:13 pm

Hello and welcome to the forum!

You have a nice portfolio, low cost, highly diversified and easy to manage.
The portfolio does have small cap exposure through Total Stock Market Index (about 10% small cap). Are you contemplating adding more and are asking what fund to use for it?
"Luck is not a strategy" Asking Portfolio Questions
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Re: Portfolio Help

Postby Mauricegreg » Sun Sep 01, 2013 9:16 pm

I was wondering if I should add a small cap. If I did, I would possibly add Tax Managed Small Cap
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Re: Portfolio Help

Postby Grt2bOutdoors » Sun Sep 01, 2013 9:22 pm

Mauricegreg wrote:I was wondering if I should add a small cap. If I did, I would possibly add Tax Managed Small Cap


You didn't list the percentage each of your holdings represent as a percentage of total portfolio, so unable to calculate what your small cap exposure as percentage of equities is today.
"Luck is not a strategy" Asking Portfolio Questions
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Re: Portfolio Help

Postby Mauricegreg » Sun Sep 01, 2013 10:46 pm

Balanced Index 42%
Total Stock Index 15%
California Muni 15%
Northern Trust Index 16%
Total International 12%
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Re: Portfolio Help

Postby Grt2bOutdoors » Sun Sep 01, 2013 11:08 pm

Mauricegreg wrote:Balanced Index 42%
Total Stock Index 15%
California Muni 15%
Northern Trust Index 16%
Total International 12%


Morningstar shows your current stats as: 25 26 26
6 6 6
2 2 2

The Total Stock Market Index is: 23 25 24
6 6 7
3 3 3

You could add some Tax Mgd Small Cap, if you wish to get closer to VTSAX - not sure what that amount would be in percentage, though.
"Luck is not a strategy" Asking Portfolio Questions
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