Portfolio asset allocation

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Topic Author
Shacked
Posts: 1
Joined: Mon Feb 11, 2019 11:07 am

Portfolio asset allocation

Post by Shacked » Mon Feb 11, 2019 1:57 pm

Hello, I am new to this forum. I am 54 years old and married with 2 kids, one a college grad and the other will graduate next year I hope to retire at 67. I max out my 401K and my wife maxes out her Roth every year.
I have a 401K with $310,000, a supplemental employer plan with $28,000, a Roth with $49,000, a rollover IRA with $226,000. And my wife has a Roth with $119,000.
All my investments are through Vanguard, primarily index funds, with low administrative fees and the majority are in the following funds:
Total Stock Market Index
Total International Index
Total Bond Index
Real Estate Index
I not sure how much I should be doing in each and would really appreciate some advice. And any recommendations on how these allocations should change as I get closer to retirement.
This may be for another topic but any thoughts on The Pinwheel Portfolio?
Thank you, I tried to keep this as simple as possible. Looking forward to you recommendations.

ExitStageLeft
Posts: 1108
Joined: Sat Jan 20, 2018 4:02 pm

Re: Portfolio asset allocation

Post by ExitStageLeft » Mon Feb 11, 2019 4:20 pm

Welcome to the forum!
Shacked wrote:
Mon Feb 11, 2019 1:57 pm
...
Thank you, I tried to keep this as simple as possible. Looking forward to you recommendations.
We're big fans of simplicity in portfolios, but when it comes to getting a thorough portfolio review it would help immensely if you can edit your post to add the information outlined in this thread: viewtopic.php?f=1&t=6212

To sum up, you've got $723k $732k in retirement assets and plan on working up to your full retirement age. You are concerned about how your assets should be allocated, which comes down to your need, willingness, and ability to take risks with your assets. To help us help you, please also include any potential pension amount, your estimated SS benefit, and your estimate of annual expenses in retirement.

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