Willing to share your Taxable Portfolio?

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iudiehard1
Posts: 40
Joined: Thu Mar 14, 2019 1:40 pm

Willing to share your Taxable Portfolio?

Post by iudiehard1 »

Gobble Bogle,

This question has been asked, but during my search I haven’t seen very many people share their holdings and % for taxable accounts.

I am currently maxing out all the tax deferred and will be chunking a couple grand a month into a taxable account for years to come (God willing). I’m going to share my current allocation, but would rather hear what those with taxable accounts are doing?

50% - VOO
50% - WVIUX

I know you need to know more about me, etc...but if you are open to sharing with some color....it would be much appreciated.

Happy Thanksgiving
Proverbs 13:20 - Walk with the wise and become wise, for a companion of fools suffers harm.
Huskiez
Posts: 31
Joined: Sat Aug 22, 2015 11:58 am

Re: Willing to share your Taxable Portfolio?

Post by Huskiez »

100% VTWAX
L82GAME
Posts: 594
Joined: Sat Dec 07, 2019 9:29 am

Re: Willing to share your Taxable Portfolio?

Post by L82GAME »

100% VTSAX
"Simplify, simplify, simplify! I say, let your affairs be as two or three, and not a hundred or a thousand…” - Thoreau
tashnewbie
Posts: 2234
Joined: Thu Apr 23, 2020 12:44 pm

Re: Willing to share your Taxable Portfolio?

Post by tashnewbie »

VTSAX and VTIAX (the latter holds my desired international allocation)
Designairohio
Posts: 114
Joined: Thu Aug 15, 2019 3:57 pm

Re: Willing to share your Taxable Portfolio?

Post by Designairohio »

82% VTSAX
18% VBTLX
tenkuky
Posts: 1693
Joined: Sun Dec 14, 2014 4:28 pm

Re: Willing to share your Taxable Portfolio?

Post by tenkuky »

All ETFs as at Schwab
VTI (Total mkt) 48%
IXUS (interntl) 16%
VTEB (Muni bond) 36%
retire2022
Posts: 2263
Joined: Tue Oct 02, 2018 6:10 pm
Location: NYC

Re: Willing to share your Taxable Portfolio?

Post by retire2022 »

OP

my taxable consists of 26K cash and 19K in Apple shares, which is less than 1% of my entire 2.09 million portfolio majority is tax deferred (457) and Roth IRA
Last edited by retire2022 on Sat Nov 28, 2020 4:54 pm, edited 1 time in total.
livesoft
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Re: Willing to share your Taxable Portfolio?

Post by livesoft »

Our taxable portfolio has been acquired over decades and holds shares (in no particular order, rank, percentage, or value):

VLCAX, VV (Vanguard Large-cap growth index)
VTI Vanguard Total US Stock Market Index
VBR Vanguard Small-cap value index
VEA Vanguard Developed Markets Index
VEU Vanguard FTSE all-world ex-US large cap index

Sometimes there is also some IJS and MTUM in there, but not right now.

There has been some tax-loss harvesting along the way and changes when new products came to the market. If I had cash to invest today and was starting from nothing, then the holdings would not look exactly like our actual holdings, but might be similar. There is no reason to sell shares to tidy up or make the portfolio look pretty because of the tax cost to do so.
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Bayliss
Posts: 20
Joined: Sun Oct 18, 2020 2:02 pm

Re: Willing to share your Taxable Portfolio?

Post by Bayliss »

At Schwab:

VTI: 45%
VXUS: 10%
BND:45%

Used to have VEA and VWO but decided to make it simpler.

I want to be conservative in my taxable account because I can use that money sooner (without penalty), and I am a lot more aggressive in my Roth account since I have 15+ years before I can withdraw it.
runner3081
Posts: 4618
Joined: Mon Aug 22, 2016 3:22 pm

Re: Willing to share your Taxable Portfolio?

Post by runner3081 »

We throw a fair amount in here every month, at the moment, here are the holdings:

VDE - 4.86% (Energy)
VWO - 4.76% (Emerging Markets)
VGK - 5.30% (Europe)
VHT - 4.39% (Health Care)
VNQ - 1.63% (Real Estate)
VOO - 9.66% (S&P 500)
VXUS - 19.36% (Total International)
VTI - 50.03% (Total Stock Market)

Many of those >10% holdings were pre-BH :)

Now, the money is split between VXUS and VTI when invested.
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birdog
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Re: Willing to share your Taxable Portfolio?

Post by birdog »

100% VTI (total stock market index etf). (Bond fund is in tIRA.)
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goodenyou
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Location: Skating to Where the Puck is Going to Be..or on the golf course

Re: Willing to share your Taxable Portfolio?

Post by goodenyou »

Although we max out all qualified plans including Mega Backdoor Roth 401k, we have about 75% of our assets in taxable. That leaves 25% of the portfolio in qualified plans and most of that is taken up with bonds (all of it would be in bonds if one of our 401k plans wasn’t so lousy). So, of the taxable space:

50% Total Stock Market/VTI
30% Cash
15% VWIUX (Tax-exempt bond)
3% Total International
2% Other (I-Bonds, privately held stock)
"Ignorance more frequently begets confidence than does knowledge" | “At 50, everyone has the face he deserves”
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Taylor Larimore
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Re: Willing to share your Taxable Portfolio?

Post by Taylor Larimore »

iudiehard1 wrote: Sat Nov 28, 2020 4:13 pm Gobble Bogle,

This question has been asked, but during my search I haven’t seen very many people share their holdings and % for taxable accounts.

I am currently maxing out all the tax deferred and will be chunking a couple grand a month into a taxable account for years to come (God willing). I’m going to share my current allocation, but would rather hear what those with taxable accounts are doing?

50% - VOO
50% - WVIUX

I know you need to know more about me, etc...but if you are open to sharing with some color....it would be much appreciated.

Happy Thanksgiving
iudiehard1:

Our only taxable fund for many years was Vanguard Total Stock Market Index Fund (my favorite fund). As a result of tax-loss harvesting I now hold Vanguard 500 Index Fund (plus a small money-market fund for 500 dividends) in my taxable account.

Best wishes.
Taylor
Jack Bogle's Words of Wisdom: "This business is all about simplicity and low cost. I'm not into all these market strategies and theories and cost-benefit analyses - all the bureaucracy that goes with business. In investing, strip all the baloney out of it, and give people what you promise."

"Simplicity is the master key to financial success." -- Jack Bogle
Agapostemon
Posts: 12
Joined: Mon Dec 17, 2018 12:40 pm

Re: Willing to share your Taxable Portfolio?

Post by Agapostemon »

I am only 50% Boglehead, and what happens to be in my taxable accounts is mainly a matter of history.

Vanguard - This was my first investment account, and it started out 24 years ago with Vanguard S&P 500, Extended Market, Small Cap, Europe, Pacific, and Emerging. VTWAX wasn't available at the time. It has become the account that I pull my half of the household expenses from.
33% in VSMAX
67% in Treasury notes, Vanguard Short Term & Vanguard Ultrashort corporate bond funds

Waterhouse, which become TD Ameritrade, and is now Schwab - This is my second account, opened because Vanguard didn't have brokerage accounts yet. I had lots of adventures buying individual stocks, using stock study tools commonly used by investment clubs. I have eaten my losses, and now I'm
letting my winners run. It has always been 100% stocks. Current holdings:
FDS - Factset
FISV - Fiserv
HD - Home Depot
NVO - Novo Nordisk
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geerhardusvos
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Re: Willing to share your Taxable Portfolio?

Post by geerhardusvos »

iudiehard1 wrote: Sat Nov 28, 2020 4:13 pm Gobble Bogle,

This question has been asked, but during my search I haven’t seen very many people share their holdings and % for taxable accounts.

I am currently maxing out all the tax deferred and will be chunking a couple grand a month into a taxable account for years to come (God willing). I’m going to share my current allocation, but would rather hear what those with taxable accounts are doing?

50% - VOO
50% - WVIUX

I know you need to know more about me, etc...but if you are open to sharing with some color....it would be much appreciated.

Happy Thanksgiving
Besides some very small amounts in bond index funds (vteb, etc), but 98% of it is in VTSAX
VTSAX and chill
stan1
Posts: 10851
Joined: Mon Oct 08, 2007 4:35 pm

Re: Willing to share your Taxable Portfolio?

Post by stan1 »

In no order:
VTI
SCHB (because of tax loss harvesting, have also used ITOT as a tax loss partner)
IJS
VIOV (switched from IJS due to lower expense ratio and tax loss harvesting)
VBR (no longer adding, use S&P 600 Value index instead)
VEA (no longer adding, bought before VXUS existed)
VWO (IEMG or SCHE used for tax loss harvest partner but don't have any of those right now)
VXUS (IXUS or VEU used for TLH partner but don't have any IXUS or VEU right now)

This is accumulated over almost 20 years including three major tax loss harvest periods (2008/2009, 2018, 2020).

I do make some extra effort (and sacrifice some realized losses) to try to keep VXUS and VWO consolidated.
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CrazyCatLady
Posts: 286
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Re: Willing to share your Taxable Portfolio?

Post by CrazyCatLady »

I had VOO (s&p500) and IXUS (total intl). After TLHing in March, I now have 45% VESG (ESG version of VOO), 45% IEFA (developed markets) and 10% IXUS. I'll eventually buy more VOO.

I have VIOV (small cap value) and VTSAX (total US) in my IRA and VTSAX, VTBLX (total bond) and VTMGX (Developed markets) in my 401(k). I also have I Bonds at treasury direct.
mike_in_ny
Posts: 49
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Re: Willing to share your Taxable Portfolio?

Post by mike_in_ny »

I have accounts at both Schwab and Vanguard, the Vanguard being the one that I contribute
to now.

Individual Stocks: 1.8%
Vanguard MidCap Index: 7% (VIMAX)
Schwab S&P500: 14%
Vanguard Interm Term Tx Exempt: 20% (VWIUX)
Vanguard Developed markets: 22% (VTMGX)
Vanguard Total Stock Market: 35% (VTSAX)

I would be happiest if I could consolidate this to the bottom three--these are the only funds
I've bought since 2010 when I started believing in the 3-fund portfolio.

The stocks are legacy in that they are from 1997 and 1998, when I first started investing.
In an ideal world, I also wouldn't have the Schwab fund since it spills off capital gains each year....
but its not terrible by any measure. In October of 2008, I actually TLHed much of my portfolio
into Schwab SP500 and there are considerable capital gains there. The next time I'm filling up my DAF
I'll do more clean-up.
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5th_Dimension
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Re: Willing to share your Taxable Portfolio?

Post by 5th_Dimension »

75% VTSAX
13% VMLUX - Limited Term Tax Exempt Fund
12% VCLAX - CA Long Term Tax Exempt Fund
Pick up a penny and soon you'll have many.
Bama12
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Re: Willing to share your Taxable Portfolio?

Post by Bama12 »

Vanguard Total Stock Market-VTI
Schwab US Dividend-SCHD
aristotelian
Posts: 9773
Joined: Wed Jan 11, 2017 8:05 pm

Re: Willing to share your Taxable Portfolio?

Post by aristotelian »

VTI 40%
VWO 10%
VEA 20%
SCHG 10%
NTSX 5%
VOHIX 5%
I Bonds 10%
Dave55
Posts: 1380
Joined: Tue Sep 03, 2013 2:51 pm

Re: Willing to share your Taxable Portfolio?

Post by Dave55 »

VTI
VXUS
VWSUX
VBTLX


Dave
"Reality always wins, your only job is to get in touch with it." Wilfred Bion
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jjunk
Posts: 489
Joined: Fri Aug 24, 2012 9:52 pm
Location: Seattle

Re: Willing to share your Taxable Portfolio?

Post by jjunk »

60% IVV
30% ITOT
10% FXNAX (ran out of deferred space)
UpperNwGuy
Posts: 6642
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Re: Willing to share your Taxable Portfolio?

Post by UpperNwGuy »

I'm not sharing mine because I fear the wrath of the bogleheads when they see how little I have in international stock funds.
keanoz
Posts: 140
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Re: Willing to share your Taxable Portfolio?

Post by keanoz »

78% fskax
15% ftihx
6% NTSX
last 1% in bonds and some individual stock(1/2 a %)
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Horton
Posts: 1035
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Re: Willing to share your Taxable Portfolio?

Post by Horton »

100% VTSAX
Explorer
Posts: 702
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Re: Willing to share your Taxable Portfolio?

Post by Explorer »

VT 8%
BSV 8%
PIMIX 16%
VWIAX (Wellesley) 34%
VWENX (Wellington) 34%
Samosa22
Posts: 379
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Re: Willing to share your Taxable Portfolio?

Post by Samosa22 »

VTI/VTSAX (Vanguard total US market index fund) = 60%
Li Auto (individual stock) = 14%
NIO (individual stock) = 26%
Diversification is protection against ignorance - WB.
Explorer
Posts: 702
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Re: Willing to share your Taxable Portfolio?

Post by Explorer »

UpperNwGuy wrote: Sat Nov 28, 2020 7:20 pm I'm not sharing mine because I fear the wrath of the bogleheads when they see how little I have in international stock funds.
I do not have much in international either. Do not feel shy. Equities are equities when they drop. The only difference is when they go up - you see some differences. :D
Starfox
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Re: Willing to share your Taxable Portfolio?

Post by Starfox »

75 percent VFIAX
25 percent VWIUX
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abuss368
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Re: Willing to share your Taxable Portfolio?

Post by abuss368 »

UpperNwGuy wrote: Sat Nov 28, 2020 7:20 pm I'm not sharing mine because I fear the wrath of the bogleheads when they see how little I have in international stock funds.
Priceless.
John C. Bogle: “Simplicity is the master key to financial success."
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Peter Foley
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Re: Willing to share your Taxable Portfolio?

Post by Peter Foley »

Retired, so we have spent a fair amount doing Roth conversions over the past few years. We have gifted much of our appreciated stock holdings to children and grandchildren.

20% SWTSX (Schwab Total Stock Market)
80% Older I-bonds - all paying 3% or better. :happy
nix4me
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Re: Willing to share your Taxable Portfolio?

Post by nix4me »

Sure:
VTI
Robert_007
Posts: 65
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Re: Willing to share your Taxable Portfolio?

Post by Robert_007 »

My taxable account consists of mainly Berkshire.

My retirement accounts are roughly 60/30/10 vti, vea and total bond.

I have some money in India (INDA etf)
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kelway
Posts: 289
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Re: Willing to share your Taxable Portfolio?

Post by kelway »

VTI - 27% (Total US Mkt)
SLYV - 17% (domestic small value)
VXUS - 15% (Total Int Mkt)
VSS - 13% (International small w/ emerging)
RPV - 8% (domestic mid/large Value)
IJR - 8% (domestic small blend)
DLS - 7% (International small value)
VWO - 5% (Emerging)
dru808
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Re: Willing to share your Taxable Portfolio?

Post by dru808 »

Icsh
Schk
Vea

80/15/5

My taxable portfolios main purpose is not for retirement, it’s more of a cash+ savings vehicle.
65/25/10 | S&P 1500/Intl/Agg bond
printer86
Posts: 312
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Re: Willing to share your Taxable Portfolio?

Post by printer86 »

I early retired last month. We will be relying on our taxable accounts to fund our expenses in order to obtain the ACA subsidies prior to our reaching Medicare age in about 8 years.

Our taxable accounts represent 43% of our investable assets. Our taxable funds are invested 55% in stocks and 45% in cash/laddered CDs.

My plan is to pull six months of living expenses from either the cash/CD accounts or stock funds when checking/savings balances fall below 3 months expenses. I will determine which bucket to draw from based on tax planning goals and market conditions at the time of withdrawal. Wish me luck.

The 55% stock portion of our taxable accounts are allocated as follows:

51% VTSAX
28% Company Stock accumulated over the past decade or so.
21% Seven stocks that I bought in my pre-Boglehead and during the Great Recession.
Last edited by printer86 on Mon Nov 30, 2020 8:59 am, edited 2 times in total.
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rob
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Re: Willing to share your Taxable Portfolio?

Post by rob »

For retirement (I have some total mkt index for college savings)...

Keep in mind this is largely due to having more than half of our retirement savings in a taxable account.
- Tax Managed Cap App + it's tax loss partner S&P500 Idx
- Tax Managed Small Cap + it's tax loss partner US Small Idx
- Dev Markets Idx (was Tax Managed when I started) + it's tax loss partner All world large ex-US
- Depending on who I'm working for right now - some ESPP/RSU which I sell asap
- Tax exempt money market (which receives all new investments initially and all dividends)

Our various IRA's, 401K's etc have the bond allocation and some additional stock but it's all part of the same portfolio.
| Rob | Its a dangerous business going out your front door. - J.R.R.Tolkien
trajan08
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Re: Willing to share your Taxable Portfolio?

Post by trajan08 »

First year of my taxable account!🤓
100% VTI
ByThePond
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Re: Willing to share your Taxable Portfolio?

Post by ByThePond »

100% Vanguard Total Stock Market Index Fund
randybobandy
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Re: Willing to share your Taxable Portfolio?

Post by randybobandy »

retire2022 wrote: Sat Nov 28, 2020 4:38 pm OP

my taxable consists of 26K cash and 19K in Apple shares, which is less than 1% of my entire 2.09 million portfolio majority is tax deferred (457) and Roth IRA
Your math is a bit off. 45k/2090k = 2.15%

--Randy Bo Bandy
Grammar and spelling matter. | Quoting the OP isn't a necessity.
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Pete12
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Re: Willing to share your Taxable Portfolio?

Post by Pete12 »

UpperNwGuy wrote: Sat Nov 28, 2020 7:20 pm I'm not sharing mine because I fear the wrath of the bogleheads when they see how little I have in international stock funds.
I'm not sharing mine because I fear the wrath of the bogleheads when they see how MUCH I have in international stock funds.
HawkeyePierce
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Location: Colorado

Re: Willing to share your Taxable Portfolio?

Post by HawkeyePierce »

A position in VFIAX that I no longer contribute to and a much larger position in NTSX that I contribute to regularly.
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Wricha
Posts: 888
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Re: Willing to share your Taxable Portfolio?

Post by Wricha »

66% SPY
33% individual muni bonds
1% cash
getcloned
Posts: 13
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Re: Willing to share your Taxable Portfolio?

Post by getcloned »

Currently our taxable account represents 32% of our total portfolio.

It houses our entire international allocation (VTIAX/VFWAX) and the rest is US equities (VTSAX/VLCAX).

Within taxable account:
VTIAX- 68%
VFWAX - 11%
VLCAX - 12%
VTSAX - 9%
UpperNwGuy
Posts: 6642
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Re: Willing to share your Taxable Portfolio?

Post by UpperNwGuy »

Pete12 wrote: Sat Nov 28, 2020 9:49 pm
UpperNwGuy wrote: Sat Nov 28, 2020 7:20 pm I'm not sharing mine because I fear the wrath of the bogleheads when they see how little I have in international stock funds.
I'm not sharing mine because I fear the wrath of the bogleheads when they see how MUCH I have in international stock funds.
So I guess some would say that I'm chasing performance and that you're fleeing from performance. :)
fundseeker
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Re: Willing to share your Taxable Portfolio?

Post by fundseeker »

So what am I doing with our taxable accounts? Sadly, waiting with waaaay too much cash for the next huge drop to get some of this cash back into the market. We have a little bit left in a VG international fund with some appreciation, but we will donate it to charity next year when it's time to refill our DAF to get a deduction, which we do every other year.

We used to have a lot in VTSAX that we put in our DAF a few years ago because it had huge gains and we wanted to avoid the taxes. The huge gains came from us tax loss harvesting in about 2009 from the sale of a 500 fund (with losses) and immediately buying VTSAX, which grew a lot over time. One of the problems with TLH is that you will eventually have to pay the IRS later, if you have gains Or not, if you give it away :happy .

So, bottom line,

~10% FTSE
~90% cash :shock:

But, that's not all bad since we may decide to help our adult children with down payments for houses :)
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Pete12
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Re: Willing to share your Taxable Portfolio?

Post by Pete12 »

UpperNwGuy wrote: Sat Nov 28, 2020 10:20 pm
Pete12 wrote: Sat Nov 28, 2020 9:49 pm
UpperNwGuy wrote: Sat Nov 28, 2020 7:20 pm I'm not sharing mine because I fear the wrath of the bogleheads when they see how little I have in international stock funds.
I'm not sharing mine because I fear the wrath of the bogleheads when they see how MUCH I have in international stock funds.
So I guess some would say that I'm chasing performance and that you're fleeing from performance. :)
I’m in for the long haul... thinking 30 or 40 years out here :wink:
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StevieG72
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Re: Willing to share your Taxable Portfolio?

Post by StevieG72 »

I hold VWALX, VSMAX, VTIAX, & VTSAX all in taxable. Portfolio is 70/30.
Fools think their own way is right, but the wise listen to others.
Rajsx
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Re: Willing to share your Taxable Portfolio?

Post by Rajsx »

VTSAX 56%
VTIAX 28%
VWIUX 16%
We do not stop laughing because we grow old, we grow old because we stop laughing !!
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