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
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
Desired Asset allocation: 40% stocks / 40% bonds / 20% cash
Desired International allocation: 5% of stocksTAX SHELTERED
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%
SFSNX Fundamental US Small Comp 0.10%
SWTSX Schwab Total Stock Market Index Fund 4.78%
Schwab Inherit IRA
SWRSX Schwab Treasury Inflation Protected Securities Index Fund 0.61%
TIYRX TIAA-CREF High-Yield Fund Retail Class 0.76%
BOFA inherited CD 1.96%
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%
The race goes not to the swift, but to those who keep on running. . .