I evaluate my portfolio annually and really appreciate some of you casting a critical eye over my choices. Any suggestions you may have on my current configuration or investment plans are much appreciated.
Thanks in advance.
Basics
Gross income: 102K + 350K = 452K (I'm still coming to terms with the tax changes, so I'm unsure of tax brackets)
Debt: None
Tax status: Married, filing jointly
State: CA
Age: 32
Annual outgoings: < $70,000
Annual investable money: < $250,00
Desired asset allocation: 80% stocks, 20% bonds
Goal Allocations
Code: Select all
| US Stock | Intl Stock | Emerging | Bonds | Reit |
|----------|------------|----------|-------|------|
| 43% | 25% | 7% | 20% | 5% |
$170K Ally Bank (1.6% interest rate) - 6mo emergency fund + 140K home deposit (it will happen one day!)
$18K (maxed for 2018) My Roth IRA
- 100% Vanguard Total Stock Market Adm (VTSAX) (0.04%)
- 100% Vanguard REIT Index Adm (VGSLX) (0.12%)
- 100% Vanguard Total Bond Adm (VBTLX) (0.05%)
- 23% Vanguard Extended Mkt Index (VEXMX) (0.21%)
- 77% Columbia Large Cap Index Fund (NINDX) (0.20%) - (EOY goal is 19/81)
- 8% Vanguard Int.-Term Tax-Exempt (VWITX) (0.19%)
- 40.5% Vanguard Total Stock Market Adm (VTSAX) (0.04%)
- 2% Vanguard Emerging Markets (VEIEX) (0.32%)
- 49.5% Vanguard Total Intl Adm (VTIAX) (0.11%)
Code: Select all
+---------------------------------+--------+---------+---------+---------+----------+----------+----------+------------+
| Name | Ticker | My IRA | Her IRA | My 401K | Her 401K | Taxable | Totals | Percentage |
+---------------------------------+--------+---------+---------+---------+----------+----------+----------+------------+
| | Totals | $18,258 | $17,513 | $56,285 | $55,368 | $236,362 | $383,786 | 100.0% |
| Vanguard Total Bond Adm | VBTLX | | | $56,285 | | | $56,285 | 14.7% |
| Vanguard Int.-Term Tax-Exempt | VWITX | | | | | $18,126 | $18,126 | 4.7% |
| Vanguard REIT Index Adm | VGSLX | | $17,513 | | | | $17,513 | 4.6% |
| Vanguard Total Stock Market Adm | VTSAX | $18,258 | | | | $95,936 | $114,194 | 29.8% |
| Vanguard Extended Mkt Index | VEXMX | | | | $12,624 | | $12,624 | 3.3% |
| Columbia Large Cap Index | NINDX | | | | $42,744 | | $42,744 | 11.1% |
| Vanguard Emerging Markets | VEIEX | | | | | $4,909 | $4,909 | 1.3% |
| Vanguard Total Intl Adm | VTIAX | | | | | $117,391 | $117,391 | 30.6% |
+---------------------------------+--------+---------+---------+---------+----------+----------+----------+------------+
Code: Select all
| | US Stock | Intl Stock | Emerging | Bonds | Reit | Total |
|-------|----------|------------|----------|-------|------|--------|
| Total | 43.0% | 24.7% | 7.2% | 19.4% | 5.8% | 100.0% |
| Goal | 43.0% | 25.0% | 7.0% | 20.0% | 5.0% | 100.0% |
- I'm favoring TBM in 401K over tax exempt muni bond funds in my taxable account - am I wasting my 401K space?
- I've managed to cut down from 11 funds to 8 but perhaps I should keep pushing - I like having some control over emerging markets but perhaps it's too small to be valuable?
- Is there a good source of fund breakdowns (as in Vanguard Total Stock Market is X% REIT, Y% US Stock, etc)? I used Morningstar's information to get a basic estimate.