Second, instead of (per the sticky) posting the requisite information in this first post, I am doing something a little different. And if people do not like it, I will convert what I have into this first post as it may not be mobile or tablet friendly (Just let me know!). The reason is that there is no table (nice clear formatting) support with here.
Anyway, all requisite information is located in a published Google Sheets (view only). There are multiple tabs. If you would like more information, let me know and I can add it!
I really don't have any idea what I'm doing other than putting money in various funds and hope for the best (although, I have been reading the wiki and about 1/2 way through The Boglehead's Guide to Invest 2nd Ed.... Thank you in advance for any assistance!retiredjg stated that he didn't like the tabbed spreadsheet format and preferred one long page (aka the requested format for posting in this forum) so, see this post:
viewtopic.php?p=3794268&sid=68de63cad9d ... a#p3767414
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Facts Emergency Funds Yes (see investment tab) Debt None Mortgage None Tax Filing Married Joint State of Residence FL (no state tax) Tax Rate (Effective) 25% (17% last filing) Age, Her 44 ( * Pink = Her) Her Salary 100000 Age, Him 46 ( * Blue = His) His Salary 90000 Desired Asset Allocation was 20/80 (20 Int'l), now, not sure, maybe 40/60 (10 Int'l) is what most people call for, I'm still thinking 20/80 Risk Tolerance (1-10) 7-8 Retirement Goal Age 9 years @ 55 (Used to be ~42-45, until I got married =|-) If I had to, I would work longer.) Child(ren) 51 (10 yr old) Plans This Year (2018): ♦ Plan on buying State's PrePaid 4-Year Univesrity Plan before Feb 28th, single payment $29k ♦ 10 kWDC Solar System $32K - 30% (year end tax credit) ♦ Sell current rental property (~100K) Plans within 5 years ♦ Used (or new) car to replace '07 Fit 160K and/or '08 Prius 200K. Less than $20K. ♦ Buy rental property (~250K). New Annual Contributions (All): Addt'l to Taxable V.STAR 6240 Her Roth IRA 5500 Her 401k 8500+3% Maching (Front-loading 401k (has true-up provision)); Annual admin fee of 0.60% acct.bal. His Roth IRA 5500 His 401k (+Roth 401K) 18500+5% Matching (+ ~ $18,000 via with Mega Roth Backdoor), $9.60/yr admin. fee. HSA 6000 (Not exactly "investment", see Investment Tab.) Emergency+Short Term 2600 Symbol Val Notes ER % Asset Class Plan Name Fund Name VMMXX 95K _____ 0.16 MM - _________________ Both - Taxable V. Prime Money Market Fund (Emrgncy+Short Term Fund) _____ 16K _____ HSA - ________________ ___________ HSA - Health Equity (through company), not invested Outside of Employee Plan (Taxable, Rollovers, IRAs, Roths, etc.) Symbol Val % ER % Asset Class Plan Name Fund Name VWLUX 69K 4.85% 0.09 Bond - Long-Term Bonds Both - Taxable V. Long-Term Tax-Exempt Fund Admiral Shares VGSTX 81K 5.65% 0.32 Balanced - ____________ Both - Taxable V. STAR Fund VFIAX 53K 3.72% 0.04 Stock - Cap-Large Blend His - Taxable V. 500 Index Fund Admiral Shares VEUSX 42K 2.93% 0.10 Global - Europe His - Taxable V. European Stock Index Fund Admiral Shares VEXAX 57K 3.95% 0.08 Stock - Cap-Mid Blend His - Taxable V. Extended Market Index Fund Admiral Shares VBTLX 20K 1.40% 0.05 Bond - Inter-Term Bonds His - Taxable V. Total Bond Market Index Fund Admiral Shares VFINX 11K 0.73% 0.14 Stock - Cap-Large Blend Her - tIRA 1 V. 500 Index Fund Investor Shares VGELX 56K 3.89% 0.33 Stock - Sector - Energy Her - tIRA 2 V. Energy Fund Admiral Shares VGSLX 16K 1.09% 0.12 Stock - Sector - R.E. Her - tIRA 2 V. REIT Index Fund Admiral Shares VSGAX 20K 1.37% 0.07 Stock - Cap-Small Growth Her - tIRA 2 V. Small-Cap Growth Index Fund Admiral VGSTX 108K 7.54% 0.32 Balanced - ____________ Her - rIRA V. STAR Fund VGELX 65K 4.54% 0.33 Stock - Sector - Energy His - roIRA 1 V. Energy Fund Admiral Shares VPADX 17K 1.22% 0.10 Global - Pacific/Asia His - roIRA 1 V. Pacific Stock Index Fund Admiral Shares VWNAX 148K 10.37% 0.25 Stock - Cap-Large Value His - roIRA 1 V. Windsor II Fund Admiral Shares VGENX 31K 2.19% 0.41 Stock - Sector - Energy His - roIRA 2 V. Energy Fund Investor Shares VGSLX 15K 1.04% 0.12 Stock - Sector - R.E. His - roIRA 2 V. REIT Index Fund Admiral Shares VFIAX 37K 2.58% 0.04 Stock - Cap-Large Blend His - rIRA 1 V. 500 Index Fund Admiral Shares VIMAX 38K 2.62% 0.06 Stock - Cap-Mid Blend His - rIRA 1 V. Mid-Cap Index Fund Admiral Shares VSMAX 38K 2.69% 0.06 Stock - Cap-Small Blend His - rIRA 1 V. Small-Cap Index Fund Admiral Shares VGSTX 96K 6.72% 0.32 Balanced - ____________ His - rIRA 2 V. STAR Fund VGPMX 25K 1.77% 0.43 Stock - Sector - Metals His - tIRA V. Precious Metals and Mining Fund 1044K Sub-Total * Pink = Hers // Blue = His // tIRA = Traditional IRA // rIRA = Roth IRA // roIRA = Rollover IRA Her 401(k) NOTE:"An annual Plan administrative expense of 0.60% applies to each participant's account balance. " Her 401k Val % ER % Asset Class Fund # Fund Name VFIAX 20K 1.40% 0.04 Stock - Cap-Large Blend 0540 V. 500 Index Fund Admiral Shares VIMAX 10K 0.68% 0.06 Stock - Cap-Mid Blend 5859 V. Mid-Cap Index Fund Admiral Shares VSMAX 9K 0.66% 0.06 Stock - Cap-Small Blend 0548 V. Small-Cap Index Fund Admiral Shares OIDIX ___ _____ 0.89 Stock - Global Large Growth _____ Oppenheimer International Diversified Institutional Fund ODVIX ___ _____ 0.88 Stock - Global Emerging Mkt _____ Oppenheimer Developing Markets Institutional Fund N/A ___ _____ 0.74 Stock - Sector - R.E. _____ Real Estate Securities Separate Account-Z VEVRX ___ _____ 0.59 Stock - Cap-Mid Blend _____ Victory Sycamore Established Value R6 Fund (VEVRX) GSSUX ___ _____ 0.95 Stock - Cap-Small Blend _____ Goldman Sachs Small Cap Value R6 Fund (GSSUX) ERASX ___ _____ 0.87 Stock - Cap-Mid Growth _____ Eaton Vance Atlanta Capital SMID Cap R6 Fund (ERASX) N/A ___ _____ 0.77 Stock - Cap-Small Growth _____ SmallCap Growth I Separate Account-Z 39K Sub-Total * Note: Funds with 0 (or empty) are Available Funds in Company Plan // Global = International His 401(k) NOTE: Charges a fixed $9.60/year admin. fee. His 401k Val % ER % Asset Class Fund # Fund Name ((note: ~8K is Roth 401k)) VMFXX ___ _____ 0.11 MM - Short Term Resv. Tax 0033 V. Federal Money Market Fund (for Mega Backdoor Roth) VFWPX 87K 6.08% 0.07 Stock - Global Large Blend 1866 V. FTSE All-World ex-US Index Fund Institutional Plus 5797 54K 3.77% 0.028 Bond - Inter-Term Bonds 5797 V. Institutional Total Bond Market Index Trust vs. 05% ER 5798 72K 5.01% 0.04 Stock - Cap-Mid Blend 5798 V. Institutional Extended Market Index Trust vs .08% ER 5796 74K 5.15% 0.013 Stock - Cap-Large Blend 5796 V. Institutional 500 Index Trust vs. 04% ER VWILX 33K 2.32% 0.32 Stock - Global Large Growth 0581 V. International Growth Fund Admiral Shares VPMAX 30K 2.06% 0.33 Stock - Cap-Large Growth 0559 V. PRIMECAP Fund Admiral Shares _____ ___ _____ 0.05 Balanced - ____________ _____ Vanguard Target Retirement 2015 Trust Select vs .15% ER VBIPX ___ _____ 0.04 Bond - Short-Term Bonds _____ V. Short-Term Bond Index Fund Institutional Plus DFCEX ___ _____ 0.53 Stock - Global Emerging Mkt _____ DFA Emerging Markets Core Equity Portfolio Institutional DODGX ___ _____ 0.52 Stock - Large Value Dom. _____ Dodge & Cox Stock Fund (DODGX) 6339 ___ _____ 0.25 Bond - Inter-Term Bonds 6339 Loomis Sayles Core Plus Fixed Income Trust; Class D PMEGX ___ _____ 0.61 Stock - Cap-Mid Growth _____ T. Rowe Price Institutional Mid-Cap Equity Growth Fund 3910 ___ _____ 0.64 Stock - Cap-Mid Value 3910 T. Rowe Price U.S. Mid Cap-Value Equity Trust; D Class 3247 ___ _____ 0.19 Bonds - TIPS __________ 3247 Wellington Trust TIPS Portfolio 3246 ___ _____ 0.90 Stock - Cap-Small Dom. 3246 Wellington Trust Small Cap 2000 Portfolio 349K Sub-Total * Note: Funds with 0 (or empty cells) are Available Funds in Company Plan // Global = International % of Total 322K 22.49% Taxable - Retirement 901K 62.90% Tax-Deferred - Retirement 209K 14.61% Tax-Deferred - Retirement - Roth 1432K 100.00% Total of All Retirement Accounts 95K Emergency + Short-Term Reserve 16K HSA (Currently not invested)
Vanguard Portfolio Watch (include all accounts including His & Her 401k):
https://drive.google.com/uc?export=view ... 3CsLd5c-ZN
https://drive.google.com/uc?export=view ... zBcrCs2ioy
Morningstar X-RAY (include all accounts including His & Her 401k):
https://drive.google.com/uc?export=view ... Q5FXr3s-ak
https://drive.google.com/uc?export=view ... ZC3q2ZBc7P
20+ years ago, I had AmEx (Ameriprise) do a portfolio analysis and create me a plan which, for a while, I mostly followed (they only suggested their funds) using Vanguard funds. Back then I only knew one thing, low ER. The last time I rebalanced was about 10 years ago, right before I got married. Ever since then I mostly just added into various funds and not thinking too much other than keeping his and her in matching/similar funds. I really haven't learned anything new since the low ER....
- General: Help!!!?!?!? Please help simplify the portfolio, rebalace, and reduce taxes?
- Is the advantage to keeping Roth/IRAs seaparate from Rollovers Roth/IRA for the built-in bankruptcy protection worth the hassle? Part B, Alternatives?
- Are there any reasons why I should not combine multiple IRA into a single IRA. Or multiple Roth IRA into a single Roth IRA? [This is different from Q2] Multiple Rollovers into a single Rollover? [This may or may not be different than part 1 of Q3]
- Dump V.Star fund for Life Strategy or Target Date funds?
- Dump everything (outside of company 401k) into a single fund from Q4?
- I'm not sure what the allocation should be anymore. I ran through Vanguard's a few times it suggested between 40/60 and 30/70 (bond/stocks). How much international?
- (What or) Would I gain anything from asking Vanguard CFP to create a plan (or is just a review) for me (free via Flagship)?
- Should I be contributing to Roth IRA or IRA?
- (Assuming, this fund is used after the rebalancing), move the Total Bond from taxable account into 401K/Roth/IRA? How to reduce tax drag/erosion?
- In His & Her 401k available funds, short of the Vanguards, do any of the other funds look decent for my situation?
- How should I organize the funds with regards to taxes, which funds should go into tax-advantaged?
- This doesn't quite have anything to do with the portofilo... For my 401k plan, I can withdraw or perform an in-plan Roth Conversion of Traditional After-tax contributions from the Plan at any time. Is it better to convert the Traditional After-tax contributions to Roth 401k or Roth IRA? Pros / Cons (excluding the available funds, since monies can be shifted around)?