How am I doing?

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How am I doing?

Postby marathonwmn » Wed May 22, 2013 2:14 pm

I'd like to retire in 2 years 8-) How do y'all think I'm doing?

I should rebalance; what stock fund should I sell; which bond fund should I buy? I plan on buying 10K in I-bonds using cash from the Capital One account.

Total assets including house @ 1.1M
Emergency funds: Three to six months of expenses – Yes
No additional funds going into savings.
House: Mortgage 15% Equity 85%
No other debt
Tax Filing Status: Single
Tax Rate: (Taxable income divided by taxes paid) 9.43% Federal, 17% State
State of Residence: NC
Age: 64.5
Desired Asset allocation: 40% stocks / 40% bonds / 20% cash
Desired International allocation: 5% of stocks

TAX SHELTERED
Vanguard IRA
VBIAX
--Stock component 3.47%
--Bond component 2.31%
VEIEX 0.51%
VAIPX 6.55%
VBTLX 9.12%
VTIAX 3.87%
VTSAX 16.44%
Vanguard Roth IRA
VIMAX 1.45%
VMMXX (Cash) 0.52%
VTIAX 3.43%
VTSAX 3.73%
Schwab IRA
SFSNX 0.10%
SWTSX 4.78%
Cash 0.40%
Schwab Inherit IRA
SWRSX 0.61%
TIYRX 0.76%
Cash 1.10%
BOFA inherited CD 1.96%
HSA
VWELX
--Stock component 0.49%
--Bond component 0.21%
Cash HSA 1.72%

TAXABLE
Ally Bank CDs 2.13%
Cash AIG 3.14%
Cash Capital One 12.56%
FUSVX 2.49%
EE & I bonds 15.44%
PRFHX 0.69%

Stocks 40.78%
Bonds 35.70%
Cash 23.53%
Total 100.00%
The race goes not to the swift, but to those who keep on running. . .
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Re: How am I doing?

Postby Grt2bOutdoors » Wed May 22, 2013 2:54 pm

Hello and welcome to the forum!
You may know your symbols by heart - but we don't and we don't have the time to look each of them up. Can you please list by name the investments with their expense ratios and percentage of portfolio held in each?

Nice ASICS, btw.
Last edited by Grt2bOutdoors on Wed May 22, 2013 3:07 pm, edited 1 time in total.
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Re: How am I doing?

Postby TomatoTomahto » Wed May 22, 2013 3:02 pm

Hello,

My wife is also an avid marathon runner.

Not to be a wise-guy, but it would help to know roughly what your portfolio size is before putting forward an opinion on how you're doing. I know your total assets are $1.1M, but is your house $1M?

Is there a reason you have so much cash?
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Re: How am I doing?

Postby marathonwmn » Wed May 22, 2013 3:25 pm

Sorry I left out the fund names in the original post!

The reason for so much cash is that it "feels" safe. I "should" put it into something which will yield more but don't know what will yield more with the same comfort level.

House is worth @ 300,000

____Original post follows below_____

I'd like to retire in 2 years 8-) How do y'all think I'm doing?

I should rebalance; what stock fund should I sell; which bond fund should I buy? I plan on buying 10K in I-bonds using cash from the Capital One account.

Total assets including house @ 1.1M
Emergency funds: Three to six months of expenses – Yes
No additional funds going into savings.
House: Mortgage 15% Equity 85%
No other debt
Tax Filing Status: Single
Tax Rate: (Taxable income divided by taxes paid) 9.43% Federal, 17% State
State of Residence: NC
Age: 64.5
Desired Asset allocation: 40% stocks / 40% bonds / 20% cash
Desired International allocation: 5% of stocks

TAX SHELTERED
Vanguard IRA
VBIAX Vanguard Balanced Index Fund Admiral
--Stock component 3.47%
--Bond component 2.31%
VEIEX Vanguard Emerging Markets Stock Index Fund Investor Shares 0.51%
VAIPX Vanguard Inflation-Protected Securities Fund Admiral Shares 6.55%
VBTLX Vanguard Total Bond Market Index Fund Admiral Shares 9.12%
VTIAX Vanguard Total International Stock Index Fund Admiral Shares 3.87%
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares 16.44%
Vanguard Roth IRA
VIMAX Vanguard Mid-Cap Index Fund Admiral Shares 1.45%
VMMXX (Cash) Vanguard Prime Money Market Fund 0.52%
VTIAX Vanguard Total International Stock Index Fund Admiral Shares 3.43%
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares 3.73%
Schwab IRA
SFSNX Fundamental US Small Comp 0.10%
SWTSX Schwab Total Stock Market Index Fund 4.78%
Cash 0.40%
Schwab Inherit IRA
SWRSX Schwab Treasury Inflation Protected Securities Index Fund 0.61%
TIYRX TIAA-CREF High-Yield Fund Retail Class 0.76%
Cash 1.10%
BOFA inherited CD 1.96%
HSA
VWELX Vanguard Wellington Fund Investor Shares
--Stock component 0.49%
--Bond component 0.21%
Cash HSA 1.72%

TAXABLE
Ally Bank CDs 2.13%
Cash AIG 3.14%
Cash Capital One 12.56%
FUSVX Fidelity Spartan 500 Index Fund Fidelity Advantage Class 2.49%
EE & I bonds 15.44%
PRFHX T. Rowe Price Tax-Free High Yield Fund0.69%

Stocks 40.78%
Bonds 35.70%
Cash 23.53%
Total 100.00%
The race goes not to the swift, but to those who keep on running. . .
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Location: West of the Atlantic

Re: How am I doing?

Postby TomatoTomahto » Wed May 22, 2013 3:45 pm

marathonwmn wrote:The reason for so much cash is that it "feels" safe. I "should" put it into something which will yield more but don't know what will yield more with the same comfort level.


I should let those who know much more than I do answer specifics, but I just wanted to point out that your comfort level might be an expensive thing to maintain. At least put $10k per year (or $20k if you plan ahead on an income tax refund) into I bonds.
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Re: How am I doing?

Postby marathonwmn » Thu May 23, 2013 7:45 am

TomatoTomahto wrote:Hello,

My wife is also an avid marathon runner.

Not to be a wise-guy, but it would help to know roughly what your portfolio size is before putting forward an opinion on how you're doing. I know your total assets are $1.1M, but is your house $1M?

Is there a reason you have so much cash?

Hello TomatoTomahto. I posted a reply yesterday but it was not addressed directly to you so you probably missed it. I ran marathons for many years but retired in 1999. Loved it but my knees kept complaining.

House is worth @ 300,000

The reason for so much cash is that it "feels" safe. I "should" put it into something which will yield more but don't know what will yield more with the same comfort level.
The race goes not to the swift, but to those who keep on running. . .
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Location: West of the Atlantic

Re: How am I doing?

Postby ieee488 » Thu May 23, 2013 7:49 am

Gosh, just too many funds.

Look in the wiki about the Lazy portfolio.
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Re: How am I doing?

Postby TomatoTomahto » Thu May 23, 2013 7:58 am

marathonwmn wrote:
TomatoTomahto wrote:Hello,

My wife is also an avid marathon runner.

Not to be a wise-guy, but it would help to know roughly what your portfolio size is before putting forward an opinion on how you're doing. I know your total assets are $1.1M, but is your house $1M?

Is there a reason you have so much cash?

Hello TomatoTomahto. I posted a reply yesterday but it was not addressed directly to you so you probably missed it. I ran marathons for many years but retired in 1999. Loved it but my knees kept complaining.

House is worth @ 300,000

The reason for so much cash is that it "feels" safe. I "should" put it into something which will yield more but don't know what will yield more with the same comfort level.

I keep suggesting to my wife that she transition to half marathons, or perhaps 5/10k races, but she says that she needs the motivation of a full marathon to train. I love her dearly, and I don't think she does herself any favors training hard, but I'm obviously not qualified to advise her since I don't run at all.

I would at least put some of that cash into I Bonds - they won't make you rich, but you can put away $10k or $20k per year with full "comfort." Maybe some EE bonds -- again, you won't get rich, but the money will be there.
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Re: How am I doing?

Postby marathonwmn » Thu May 23, 2013 8:06 am

Grt2bOutdoors wrote:Hello and welcome to the forum!
You may know your symbols by heart - but we don't and we don't have the time to look each of them up. Can you please list by name the investments with their expense ratios and percentage of portfolio held in each?

Nice ASICS, btw.


Hello Grt2bOutdoors.

I replied to your request yesterday but didn't answer you directly so you probably missed it. Are you a runner? Must be to recognize the brand!

Thanks for your interest.

Below is my original post — with names and expense ratios listed:

I'd like to retire in 2 years 8-) How do y'all think I'm doing?

I should rebalance; what stock fund should I sell; which bond fund should I buy? I plan on buying 10K in I-bonds using cash from the Capital One account.

Total assets including house @ 1.1M
Emergency funds: Three to six months of expenses – Yes
No additional funds going into savings.
House: Mortgage 15% Equity 85%
No other debt
Tax Filing Status: Single
Tax Rate: (Taxable income divided by taxes paid) 9.43% Federal, 17% State
State of Residence: NC
Age: 64.5
Desired Asset allocation: 40% stocks / 40% bonds / 20% cash
Desired International allocation: 5% of stocks

TAX SHELTERED
Vanguard IRA
VBIAX Vanguard Balanced Index Fund Admiral ER=0.10%
--Stock component 3.47%
--Bond component 2.31%
VEIEX Vanguard Emerging Markets Stock Index Fund Investor Shares 0.51% ER=0.33%
VAIPX Vanguard Inflation-Protected Securities Fund Admiral Shares 6.55% ER=0.10%
VBTLX Vanguard Total Bond Market Index Fund Admiral Shares 9.12% ER=0.10%
VTIAX Vanguard Total International Stock Index Fund Admiral Shares 3.87% ER=0.16%
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares 16.44% ER=0.17%
Vanguard Roth IRA
VIMAX Vanguard Mid-Cap Index Fund Admiral Shares 1.45% ER=0.10%
VMMXX (Cash) Vanguard Prime Money Market Fund 0.52% ER=0.16%
VTIAX Vanguard Total International Stock Index Fund Admiral Shares 3.43% ER=0.16%
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares 3.73% ER=0.17%
Schwab IRA
SFSNX Fundamental US Small Comp 0.10% ER=0.32%
SWTSX Schwab Total Stock Market Index Fund 4.78% ER=0.09%
Cash 0.40%
Schwab Inherit IRA
SWRSX Schwab Treasury Inflation Protected Securities Index Fund 0.61% ER=0.64%
TIYRX TIAA-CREF High-Yield Fund Retail Class 0.76% ER=0.70%
Cash 1.10%
BOFA inherited CD 1.96% (rate good for 6 more years; paying 3.2%)
HSA
VWELX Vanguard Wellington Fund Investor Shares ER=0.25%
--Stock component 0.49%
--Bond component 0.21%
Cash HSA 1.72%

TAXABLE
Ally Bank CDs 2.13%
Cash AIG 3.14%
Cash Capital One 12.56%
FUSVX Fidelity Spartan 500 Index Fund Fidelity Advantage Class 2.49% ER=0.07%
EE & I bonds 15.44%
PRFHX T. Rowe Price Tax-Free High Yield Fund0.69% ER=0.68%

Stocks 40.78%
Bonds 35.70%
Cash 23.53%
Total 100.00%
The race goes not to the swift, but to those who keep on running. . .
User avatar
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Posts: 80
Joined: Tue Jul 01, 2008 1:15 pm
Location: West of the Atlantic


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