I retired one year ago at 62 but only recently rolled over my 401k. I am not drawing SSA yet, but plan to early next year. Now I'm trying to ensure I have a good balance; I am a newbie at managing my money (which I sorely regret now), but have learned enough to come to Bogleheads to help learn. Also, one 401k fund I had to sell as it was $1m min., so I have about 27k in cash sitting in my Schwab account I need to reinvest.
Here's my portfolio now --
1. Am I over weight and distributed well enough?
2. What to buy with extra schwab cash?
3. Is the Wealthfront cash account OK (it's about 1 year's expenses)? Or should I winnow down and invest funds?
EFTs and Closed End = 29.09%
Mutual Funds = 62.32%
Fixed Income = 1.94%
Cash = about 27k
Positions for account Rollover IRA 02/10/2020, followed by Vanguard and Wealthfront
All the high cost funds were what Schwab picked when rolled over; I bought some funds, but not over .4 expense (which are gross).
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Schwab Positions for account Rollover IRA 02/10/2020 Symbol Description Market Value % Of Account Security Type Expense FNDX SCHWAB FUNDAMENTAL US LARGE CO ETF 10993.05 2.66% ETFs & Closed End Funds 0.25 SCHZ SCHWAB US AGGREGATE BOND ETF 44676.18 10.83% ETFs & Closed End Funds 0.04 SCHD SCHWAB US DIVIDEND EQUITY ETF 21091.25 5.11% ETFs & Closed End Funds 0.06 SCHX SCHWAB US LARGE CAP ETF 10993 5.19% ETFs & Closed End Funds 0.04 SCHG SCHWAB US LARGE CAP GROWTH ETF 21834.88 5.29% ETFs & Closed End Funds 1.26 BCSIX BROWN CAP MGMT SMALL CO FD INV CL 4239.58 1.03% Mutual Fund 0.44 MWTIX METROPOLITAN WEST TOTAL RETURN BOND I 61615.99 14.93% Mutual Fund 1.115 PAAIX PIMCO ALL ASSET INSTL CL 61023.99 14.79% Mutual Fund 1.25 PTTRX PIMCO TOTAL RETURN FUND INSTL CL 61491.64 14.9% Mutual Fund 0.71 SWPPX SCHWAB S&P 500 INDEX FD 21434.19 5.19% Mutual Fund 0.02 PRGFX T ROWE PRICE GWTH STOCK FD INV 17976.7 4.36% Mutual Fund 0.66 TCVIX TOUCHSTONE MID CAP VALUE FD CL INST 7344 2.02% Mutual Fund 0.97 VWNAX VANGUARD WINDSOR II FD ADMIRAL SHARE 16950.48 4.11% Mutual Fund 0.26 VSVIX VICTORY INTEGRITY SMALL CAP VALUE Y 4057.7 0.98% Mutual Fund 1.12 69506YQH5 PACIFIC WESTERN B 1.6% CD FDIC INS DUE 04/21/20 US 8001.15 1.94% Fixed Income Cash & Cash Investments --27461.61 6.66% Cash and Money Market Account Total -- %401,185.39 -- Vanguard AIIEX Invesco International Growth Fund Class A $9,880.45 AMRMX American Funds American Mutual Fund® Class A $9,476.26 ANCFX American Funds Fundamental Investors® Class A $11,331.46 VMFXX Vanguard Federal Money Market Fund $1,989.4 total $32,677.57 Wealthfront 15000 managed free ASSET CLASS TARGET CURRENT MARKET VALUE U.S. Stocks 32.00% 33.70% $27,394.68 Foreign Stocks 14.00% 13.60% $11,066.18 Emerging Markets11.00% 10.90% $8,849.18 Dividend Stocks 5.00% 5.30% $4,298.29 Natural Resources5.00% 4.30% $3,526.56 Municipal Bonds33.00% 31.90% $25,920.43 Total $81,055.32 cash savings acct 1.78% $38,529.84 Total Portfolio $553,448.12
Thanks for your thoughts (and patience)...