I guess my reclassification of Ibonds is triggering more changes than what I was prepared for
. To ease it out on my mind, I am going to consider my Ibonds contribution starting this year (10k) as a part of overall Bond portfolio.
Thank you for pointers around extended market, I had completely missed it in the swap.
If I were to add 38k (2013 projected) to the portfolio as of today, this is what it would look like.His 401k 37.5% (69.8k)
24% Blackrock MSCI ACWI IMI Index non-lendable fund
13.6% NORTHERN TR CL AGG BD IDX Her 401k 31.6% (47.6k)
22.3% Fifth Third Equity Index Fund
9.3% Lord Abbot Bond FundHis Roth IRA 7.6% (11.3k)
7.6% Vanguard Extended Market Index Her Roth IRA 7.9% (11.8k)
7.9% Vanguard Total StockTaxable account 15.4 (23.2k)
6.2% Vanguard Total Stock Market Index (additional 6k)
6.6% (10k) Ibonds
2.7% (4k) Ohio Muni (I am obviously obsessed with this one
This get me pretty close to desired allocation (yes, desired international is 30%).
Any major flaws in this plan?