All --
I'm still in the process of getting my financial house in order and before I complete the process I wanted to get the forum's thoughts on my projected AA for my retirement portfolio. Between taxable and tax-deferred accounts I'm shooting for the following targets:
5% REIT (VG VGSIX in Rollover IRA)
5% TIPS (VG VIPSX in Rollover IRA)
15% Bonds (TSP G)
41% Total Stock Market (VG Total Stock Market, TSP C, TSP S)
34% International Equities (VG Total Int'l in Rollover IRA and VG FTSE All World ex US in taxable account)
On a related note, I'm 35 and will retire with a USG pension (barring a catastrophe!).
Thanks for your thoughts/suggestions!
AA checkup
You seem to have a good AA.
What is USG?
What is USG?
Chaz |
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“Money is better than poverty, if only for financial reasons." Woody Allen |
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Re: AA checkup
We're almost the same age. Your options are identical to mine (TSP & VG) and your choices of funds are the nearly the same. Our AA differs in two ways: (1) I have 30% total in bond funds, split evenly between TSP G and VG TIPS and (2) my non-REIT equities are split evenly between US and international.Tatupu wrote:All --
I'm still in the process of getting my financial house in order and before I complete the process I wanted to get the forum's thoughts on my projected AA for my retirement portfolio. Between taxable and tax-deferred accounts I'm shooting for the following targets:
5% REIT (VG VGSIX in Rollover IRA)
5% TIPS (VG VIPSX in Rollover IRA)
15% Bonds (TSP G)
41% Total Stock Market (VG Total Stock Market, TSP C, TSP S)
34% International Equities (VG Total Int'l in Rollover IRA and VG FTSE All World ex US in taxable account)
That's not saying you're wrong and I'm right. We're both fine. What is your reason for leaning more heavily toward TSP G than TIPS in your bond allocation?
The Incidental Economist (blog) :::: Austin Frakt (flesh)
- ruralavalon
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I wanted to get the forum's thoughts on my projected AA for my retirement portfolio.
Your proposed asset allocation would be a bit heavy in international, with about 43% of your equities in international (34/80 = 43%). Here is a helpful Vanguard paper on the subject. https://institutional.vanguard.com/iip/pdf/ICRIECR.pdf .5% REIT . . .
41% Total Stock Market . . .
34% International Equities
I would also say that your proposed allocation is a bit light in bonds, at 20%.