Search found 191 matches

by RetireGood
Wed Oct 31, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance to BONDS, TLH partners
Replies: 2
Views: 322

Re: Rebalance to BONDS, TLH partners

Hi PFInterest, Thank you very much for the reply. -BlackRock U.S. Debt Index Fund - Intermediate-Term - ER: 0.023% this is all you need. you don't say what the SV is paying but i doubt its high enough to bother. the current market environment doesn't matter. Below is the BOND INFO from my 401K www. ...
by RetireGood
Tue Oct 30, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance to BONDS, TLH partners
Replies: 2
Views: 322

Rebalance to BONDS, TLH partners

Hi I do not have any BONDS now. I would like to rebalance (most of of my 401K balance) into BONDS. --------------------------------------------------------------------------- Emergency funds: Yes Debt: No Tax Filing Status: Single Tax bracket is FED: 28%, STATE:9.3% State State of Residence: CA Age:...
by RetireGood
Mon Sep 03, 2018 5:31 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for 35 year old
Replies: 21
Views: 2252

Re: Portfolio for 35 year old

Btw, make sure your small cap etf is one that tracks the S&P 600 not the Russell 2000. why? https://www.barrons.com/articles/a-tale-of-two-indexes-1516896321 Hi VG has below Vanguard Small-Cap Index Fund Admiral Shares (VSMAX) - 0.05 - 1411 companies Vanguard Extended Market Index Fund Admiral Shar...
by RetireGood
Tue Aug 07, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 75684

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I had some rebalancing pending

- In my HSA (in total had a small amount), could move from (FSIIX) to FZROX.

- But did not allow to do the same from my 401k.BrokerageLink. Wanted to move from FSTVX to FZROX. Said "Fund not open to new investors..."
by RetireGood
Fri Jan 05, 2018 5:05 am
Forum: Investing - Help with Personal Investments
Topic: Help Me Understand Vanguard Holding Period for transferred in Money
Replies: 20
Views: 1321

Re: Help Me Understand Vanguard Holding Period for transferred in Money

Don't even go to the settlement money market fund in the IRA at all: Go to the final resting place of the money. :thumbsup Good advice. It's annoying to pass through the settlement money market and wind up with $0.02cents of interest sitting in it that's not enough to make a transfer into a fund wi...
by RetireGood
Tue Jan 02, 2018 6:12 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth 2018 wait time
Replies: 1
Views: 597

Backdoor Roth 2018 wait time

Hi

Just contributed to 2018 T-IRA and the monies are yet to be pulled from the bank (but are available for trade).
Can I go ahead and convert to R-IRA (and move to final fund as well there)?

Thx
by RetireGood
Sat Dec 30, 2017 5:22 am
Forum: Investing - Help with Personal Investments
Topic: Ripple and Ethereum: Which exchange do you use and do you recommend it?
Replies: 14
Views: 2335

Re: Ripple and Ethereum: Which exchange do you use and do you recommend it?

Does this crypto assets trade has capital loss provision as well, when preparing taxes?

Also what wallets do you use for below?
  • BTC, ETH, LTC
    XRP, TRX,
    NEO, EOS
Something like ledger nano will suffice for all these and rest/more?
If one doesn't have HW wallet, what do one use for above?

Thx
by RetireGood
Tue Dec 19, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: VG: contributing 2017 Q4/Year-end taxable distributions to 2018 T-IRA
Replies: 4
Views: 299

Re: VG: contributing 2017 Q4/Year-end taxable distributions to 2018 T-IRA

Just buy something in your IRA, select contribution year 2018, then it says, "Where is the money coming from?" Select the place where the money is coming from. Where are you putting the money from the taxable distributions? That will be the place where the money is coming from. O.k. Thanks Livesoft.
by RetireGood
Tue Dec 19, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: VG: contributing 2017 Q4/Year-end taxable distributions to 2018 T-IRA
Replies: 4
Views: 299

Re: VG: contributing 2017 Q4/Year-end taxable distributions to 2018 T-IRA

PFInterest wrote:
Tue Dec 19, 2017 6:28 pm
It's not 2018 yet.
Haha. yes, Once it is 2018, how to do it?
by RetireGood
Tue Dec 19, 2017 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: VG: contributing 2017 Q4/Year-end taxable distributions to 2018 T-IRA
Replies: 4
Views: 299

VG: contributing 2017 Q4/Year-end taxable distributions to 2018 T-IRA

Hi Can I contribute 2017 VG Q4/year-end taxable distributions to 2018 IRA on VG website? How to do that? There is option to move money between accounts, will that result in contributing to 2018 IRA? Before I used to contribute to IRA by clicking the option of 'contribute to IRA' AND withdrawing from...
by RetireGood
Sun Sep 24, 2017 6:00 am
Forum: Investing - Help with Personal Investments
Topic: REBALNCE: TLH partner, BONDs
Replies: 7
Views: 504

Re: REBALNCE: TLH partner, BONDs

Following is info from for the funds from the 401k www. Stable Value Fund Performance - AS OF 8/31/2017 | *AS OF 9/22/2017; Value is cumulative YTD (Daily)* +1.36% Average Annual Returns 1 Yr - + 1.88% 3 Yrs +1.85% 5 Yrs +1.82% 10 Yrs +2.55% Quarter-End Average Annual Total Returns 1 Yr 3 Yrs 5 Yrs ...
by RetireGood
Sat Sep 23, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: REBALNCE: TLH partner, BONDs
Replies: 7
Views: 504

Re: REBALNCE: TLH partner, BONDs

livesoft wrote:
Sat Sep 23, 2017 7:51 pm
My thoughts are that your post is way, way, way, way, way too difficult to decipher. You got colors and CAPS and dashes and different font sizes and other things. Sorry, but them's my thoughts.
Thanks. Removed clutter :-)
by RetireGood
Sat Sep 23, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: REBALNCE: TLH partner, BONDs
Replies: 7
Views: 504

REBALNCE: TLH partner, BONDs

Hi I would like to rebalance into Ex-US/ BONDS. 0) My taxable doesn't have VTIAX or VTSAX due to earlier TLH. During my next rebalance or when adding new funds, should I instead VTSAX/VTIAX (instead of continue to US(VFIAX/VEXAX), Ex-US(VFWAX))? Any general rules or complications that might arise la...
by RetireGood
Wed Aug 30, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity equivalent of VTIAX (VG TOTAL Intl. Stock)
Replies: 9
Views: 1546

Re: Fidelity equivalent of VTIAX (VG TOTAL Intl. Stock)

livesoft wrote:
Wed Aug 30, 2017 8:04 pm
munemaker wrote:
Wed Aug 30, 2017 7:58 pm
FSIVX is equivalent to VTIAX, except [VTIAX] does contain emerging markets.
Thanks. Looks like chunk 1) has high entry limits, which among 2) and 3) is best/nearest equivalent of VTIAX?
by RetireGood
Wed Aug 30, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity equivalent of VTIAX (VG TOTAL Intl. Stock)
Replies: 9
Views: 1546

Fidelity equivalent of VTIAX (VG TOTAL Intl. Stock)

Hi Fidelity www listed below for International Index funds, which fund is the equivalent to VG VTIAX? 1) FSPNX - Fidelity® International Index Fund - Institutional Class - https://fundresearch.fidelity.com/mutual-funds/summary/315911735 FSIVX - Fidelity® International Index Fund - Premium 2) FSGDX -...
by RetireGood
Sat Jul 29, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance: 401K BONDs Funds ; Ex-US BOND Fund?
Replies: 3
Views: 515

Re: Rebalance: 401K BONDs Funds ; Ex-US BOND Fund?

M company is removing below from the fund line up Global Bond Fund - Short Term - ER: 0.44% RC Stable Value Fund - Stable Value - ER: 0.34% BlackRock U.S. Debt Index Fund - Intermediate-Term - ER: 0.025% - 30-Day Yield 1.27% 5/11/2015 / Weighted Avg Maturity 7.22 Years 3/31/2015 - Duration 5.09 Year...
by RetireGood
Sun Jul 09, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance: 401K BONDs Funds ; Ex-US BOND Fund?
Replies: 3
Views: 515

Re: Rebalance: 401K BONDs Funds ; Ex-US BOND Fund?

Hi

Pls. let me know if rebalancing into global bond fund is advisable? If so, what % (w.r.t to US-BOND, which is in SV as of now).
Else I would rebalance into SV itself (to get it to 20% as first step)

Thank You
by RetireGood
Sat Jul 08, 2017 3:17 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance: 401K BONDs Funds ; Ex-US BOND Fund?
Replies: 3
Views: 515

Rebalance: 401K BONDs Funds ; Ex-US BOND Fund?

Hi I would like to rebalance into BONDS. My questions (at the end). ---------------------- Emergency funds: Yes Debt: No Tax Filing Status: Single Tax bracket is FED: 28%, STATE:9.3% State State of Residence: CA Age: 40 Desired Asset allocation: 65% stocks / 25% bonds Desired International allocatio...
by RetireGood
Wed Jun 21, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 37654

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Hi

what you folks doing about the interest pay it monthly, Quarterly or yearly and also depositing in external or into the same CD account.

Is the interest compounded?

Thx
by RetireGood
Fri Jun 02, 2017 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Ex Employer Large Stock Position and Tax Implications
Replies: 10
Views: 1300

Re: Ex Employer Large Stock Position and Tax Implications

Move all, to one of the brokerages to get a bonus and/or free trades. Be sure to email them asking for what bonus they have if you transfer $X. Then pick a couple of (recurring) expense items you have. Then furiously sell covered calls (like expiring bi-weekly or every month) to generate monies to c...
by RetireGood
Thu May 18, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 5525

Re: REITs: Count as Stocks or Bonds?

livesoft wrote:I am not even registered at morningstar.com and everything that I want to use there is freely available.
Got it, was entering the ticker in search box, instead of quote box

http://www.morningstar.com/etfs/xnas/vnqi/quote.html
by RetireGood
Thu May 18, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 5525

Re: REITs: Count as Stocks or Bonds?

(I was looking at marketwatch !, will look in morningstar, but was behind pay proxy) Morningstar has a pay thing? I use it all the time without paying. Who pays them? Are you outside the USA? LiveSoft I am in US, probably I was not searching it right, and I was seeing it asking for registration etc...
by RetireGood
Thu May 18, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 5525

Re: REITs: Count as Stocks or Bonds?

Depends on the REIT fund, among other things. Why does it matter to you, and does this add any understanding as to the behavior or role? As an aside, Vanguard Global ex-U.S. Real Estate ETF (VNQI) is not even a REIT fund. Stipulations on REIT structures vary across the world but it doesn't remotely...
by RetireGood
Wed May 17, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 5525

Re: REITs: Count as Stocks or Bonds?

Hi

Also does REITs specifically VNQ and VNQI count towards what asset-class ? i.e. LC/MC/SC ? and also towards what style i.e. growth/value/blend?

thx
by RetireGood
Tue May 02, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 66
Views: 11967

Re: I bonds May 2017

Thanks beardsworth for links, cruncher and PArkersPaPA for info.
by RetireGood
Tue May 02, 2017 4:51 am
Forum: Investing - Help with Personal Investments
Topic: Question on Rebalance strategy (through new contributions)
Replies: 7
Views: 883

Re: Question on Rebalance startegy (through new contributions)

How big are your contributions relative to your portfolio size? That's going to determine whether or not new contributions have a chance of getting your portfolio rebalanced. ? I should be able to bring in both LC/SC as well in line by end of this year. Question is, whether to do it one after other...
by RetireGood
Tue May 02, 2017 4:05 am
Forum: Investing - Help with Personal Investments
Topic: Question on Rebalance strategy (through new contributions)
Replies: 7
Views: 883

Question on Rebalance strategy (through new contributions)

Hi My US LC and SC AA %'s are not within their AA bands yet, What do you suggest to bring them into desired AA ? Desired stock AA (LC/SC/Ex-US): 48/12/40 Say my current AA is: 42/8/50 . I am trying to rebalance over time . through new contributions (only to SC and LC). Do not want to sell Ex-US due ...
by RetireGood
Tue May 02, 2017 3:42 am
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 66
Views: 11967

Re: I bonds May 2017

Hi I am thinking of buying I-BOND as well for the first time. I have below questions, please let me know. 1) I read through the thread, but looks like some folks waited till May to buy etc. Will it be o.k. to just buy 5K before May and 5K after May, so that I do not have to ponder much when to buy (...
by RetireGood
Fri Mar 17, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Non-covered Shares Transfer: Will old broker also transfer Cost Basis ?
Replies: 6
Views: 734

Non-covered Shares Transfer: Will old broker also transfer Cost Basis ?

Hi My old broker (UBS) has cost-basis info. on their website (i.e. even if they do not report that to IRS, I can look at that info after sell) But now, If I transfer those non-covered shares to a new broker (AmeriTrade), will the old broker provide the cost-basis to new broker or am I required to ma...
by RetireGood
Tue Feb 07, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: A tale of TWO REITS . . . Does PE Matter?
Replies: 7
Views: 1230

Re: A tale of TWO REITS . . . Does PE Matter?

I have the same question :-) Do you think it makes sense to 1.compliment the USA REIT with the international REIT , or 2. avoid the international REIT because it's performance has been flat? Thx for any thoughts on this, Mike -- My case, I have FSIIX-SPARTAN INTL INDEX INVESTOR CLASS 3.9% VGRLX-Vang...
by RetireGood
Tue Jan 03, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Does the coast look clear for a 2017 backdoor Roth ?
Replies: 7
Views: 1776

Re: Does the coast look clear for a 2017 backdoor Roth ?

I contributed on JAN 1st. VG shows up in balances, but my checking account doesn't show the debit yet. Can I backdoor or have to wait untill my checkings account is debited.
by RetireGood
Tue Dec 27, 2016 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale w.r.t. option Sell/Executed date
Replies: 4
Views: 350

Re: Wash sale w.r.t. option Sell/Executed date

Thanks for replies.
Sorry now I understand/remember, I am not selling at loss anywhere here, so no wash-sale, duh..!
by RetireGood
Tue Dec 27, 2016 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Hedge against not owning a Home
Replies: 16
Views: 2515

Hedge against not owning a Home

Hi In most cases it looks like if you stay in a home for 7-10 years, you can write off 250K in capital gains (even if you do not buy a home next with the proceeds). For discussion, just assume this is the case etc (i.e home appreciated). 1) Is there any way/reason to hedge against not owning a home,...
by RetireGood
Tue Dec 27, 2016 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale w.r.t. option Sell/Executed date
Replies: 4
Views: 350

Wash sale w.r.t. option Sell/Executed date

Hi I sold a covered call today 12/27/2016 It expires or gets executed 02/17/2107 Just realized my next SPP shares will be bought on 02/20/2017. If my option gets called (instead of expire), will this constitute a WASH sale. I have not had any purchases of this stock in the last 31 days (only a Sell ...
by RetireGood
Mon Dec 26, 2016 1:32 am
Forum: Investing - Help with Personal Investments
Topic: HSA rollover check (HealthEquity to Fidelity)
Replies: 0
Views: 757

HSA rollover check (HealthEquity to Fidelity)

Hi I can't do a trustee-to-trustee transfer out of my current HSA bank (HealthEquity) as it has a charge, for rollovers it doesn't. Employer pays monthly maintenance fee and Health Equity doesn't provide check-writing facility. I also have a HSA at fidelity from previous employer. Which option from ...
by RetireGood
Mon Dec 26, 2016 1:20 am
Forum: Investing - Help with Personal Investments
Topic: Ex-US Asset-Class Location: Lost Foreign Tax Credit in Taxable
Replies: 4
Views: 816

Re: Ex-US Asset-Class Location: Lost Foreign Tax in Taxable

Thanks triceratop.

Is my deduction that 'currently Ex-US Stock Mfs are very tax-inefficient and hence should go into Tax-advantaged accounts' correct?
And above is exactly opposite of what I thought would be the case when I posted the question.
by RetireGood
Sat Dec 24, 2016 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Ex-US Asset-Class Location: Lost Foreign Tax Credit in Taxable
Replies: 4
Views: 816

Ex-US Asset-Class Location: Lost Foreign Tax Credit in Taxable

Hi Is there any drawback to put 100% of your 1) US Stock MFs (VTSAX, VIIIX, VFIAX, VEXAX etc.) in tax-deferred (401K) AND 2) Ex-US Stock MFs (VTIAX, VFWAX etc.) in taxable (brokerage) ? Is there any link/study that shows how much in %, the above mentioned Ex-US stock MFs pay in Foreign tax which is ...
by RetireGood
Thu Dec 22, 2016 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Liquidating a Roth IRA before death?
Replies: 4
Views: 684

Re: Liquidating a Roth IRA before death?

Hi
How would 'death of stretch IRA' impact ?

Thx
by RetireGood
Mon Dec 19, 2016 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: AGI/HSA - Forms 1040/8889 values
Replies: 3
Views: 606

Re: AGI/HSA - Forms 1040/8889 values

Thanks T.Thunder and P.Mega. Ok. pre-tax payroll HSA deduction is called Cafeteria plan.
by RetireGood
Mon Dec 19, 2016 2:35 am
Forum: Investing - Help with Personal Investments
Topic: AGI/HSA - Forms 1040/8889 values
Replies: 3
Views: 606

AGI/HSA - Forms 1040/8889 values

Hi I was reading below on 2017 tax tables and HSA contributions reduce AGI. http://paytaxeslater.com/articles/tax-card-2017.pdf?inf_contact_key=def70c23aa1dad3480deb101a5a1f1b80c0c8bb04924b32b2cb778efe6494e92 I contributed to HSA fully through my employer. But my tax return has following. 1040 line ...
by RetireGood
Sun Dec 18, 2016 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: VG Funds - 2016 CG/Dividends Distribution Dates?
Replies: 3
Views: 642

VG Funds - 2016 CG/Dividends Distribution Dates?

Hi Where to find if following funds are doing/when CG/Dividends distribution for 2016. I want to avoid those and buy it the next day. VFWAX Vanguard FTSE All-World ex-US Index Fund Admiral Shares VEXAX Vanguard Extended Market Index Fund Admiral Shares VFIAX Vanguard 500 Index Fund Admiral Class Tha...
by RetireGood
Wed Dec 14, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance: Current Distressed Asset Class(es)?
Replies: 8
Views: 1024

Re: Rebalnce / Current Distressed Asset Class(es)?

Thanks all for the replies! Sorry forgot to note, I would like to have 10% in REITs' as well, So BONDS -25%, REITS - 10%, STOCKS (65% : US: 40%, EX-us: 25%) Why do you have so much tied up in single stocks? Do you have big cap gains in these? You have 25% + tied up in single stocks. I think you need...
by RetireGood
Tue Dec 13, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance: Current Distressed Asset Class(es)?
Replies: 8
Views: 1024

Re: Rebalnce / Current Distressed Asset Class(es)?

LiveSoft I thought US LC was the most expensive Asset-Class this year. I wasn't sure on US SC. Thanks for letting me know. Anyways which ASSET class do you suggest, that I should contribute to? Should I then just concentrate on getting my US vs. Ex-US balanced? Thanks! CAsage Thanks for the reminder...
by RetireGood
Tue Dec 13, 2016 4:07 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance: Current Distressed Asset Class(es)?
Replies: 8
Views: 1024

Rebalance: Current Distressed Asset Class(es)?

Hi I would like to rebalance as much as possible through new contributions. My questions (at the end) mainly are concerned towards which asset class my future contributions should go. please let me know any caveats or gotchas w/ that strategy. ---------------------- Emergency funds: Yes Debt: No Tax...
by RetireGood
Tue Oct 11, 2016 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime MM (VMMXX) Troubles
Replies: 16
Views: 4036

Re: Vanguard Prime MM (VMMXX) Troubles

O.k. thanks (I was confused, probably due to my poor comprehension skills). Anyways I will do below VMFXX - Federal Money Mkt - the NEW VMMXX - Vanguard Prime MM - the old (Under Account-Maintenance, both my HOLDING/ACCOUNT level choice for DIVs/CGs is 'Transfer to Settlement Fund') 1) I will have m...
by RetireGood
Tue Oct 11, 2016 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime MM (VMMXX) Troubles
Replies: 16
Views: 4036

Re: Vanguard Prime MM (VMMXX) Troubles

Hi I have VG Taxable and Roth IRA. VG changed my settlement fund for ROTH-IRA from VMMXX to VMFXX Federal Money Mkt Fund i.e. VG generated a 'confirmation statement' making the former a holding in my account. For TAXABLE-account part, VG hasn't yet generated the confirmation notice making VMMXX a ho...
by RetireGood
Wed Sep 14, 2016 3:22 am
Forum: Investing - Help with Personal Investments
Topic: VMMXX-Vanguard Prime Money Market Fund
Replies: 20
Views: 4659

Re: VMMXX-Vanguard Prime Money Market Fund

Wizzard Waiting for your update -- My VG brokerage account also shows 'Prime Money Market Fund (VMMX)' - ER 0.16. It also added my dividends to it today or yesterday. I looked at 'Vanguard Federal Money Market Fund (VMFXX)', ER 0.11. Is there any settlement fund in VG that has no expense ratio, i.e....
by RetireGood
Mon Aug 15, 2016 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Moving BOND% in and out of STOCK - Prudent ?
Replies: 3
Views: 596

Moving BOND% in and out of STOCK - Prudent ?

Hi My desired AA is 70/30. I am yet to reach 30% target for BONDS, I am somewhere at 24%. I have a couple of individual stocks that have been on run lately (NVIDIA etc.) in Taxable. I have used all the TLH space I had accrued, selling some of the other company stock I had accrued. My BONDS breakdown...