Willing to share your Taxable Portfolio?
Re: Willing to share your Taxable Portfolio?
72% SPY
28% individual muni bonds. (Yes, well over hundred different bonds)
28% individual muni bonds. (Yes, well over hundred different bonds)
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Re: Willing to share your Taxable Portfolio?
VASIX
VWITX
VFIAX
VMFXX
VWITX
VFIAX
VMFXX
Re: Willing to share your Taxable Portfolio?
Late to the party, but here goes.iudiehard1 wrote: ↑Sun Nov 29, 2020 8:02 pm Thanks for all the replies. Like most of the threads on BH, always a wide variety of strategies. I suspect I am guilty,like many, of over thinking my portfolio. I enjoy seeing how many have structured their portfolios and the taxable is new to me. I guess I am a Little surprised that tax free munis aren’t in many of the replies and really surprised to see Reits at all. But that’s not being critical, just goes against the research I read on tax favor status.
Thanks a million
Though I don't have an oversized portfolio, I've currently got a whopping 48% of the portfolio in a taxable account. That's partly justified because I had a government job with only a 457(b) account available at work, and partly unjustified because I was slow to pick up on the tax advantage of a tax-deferred account. (And it's partly explained by the fact that it holds only high risk/high return equities — for tax efficiency.)
[Until, oh I don't remember exactly, somewhere in the late 1990s and early 2000s, 457(b) accounts didn't even resemble 401(k)s: far smaller contribution limits, no rollover options upon retirement, no emergency access, horrendous investment options, all wrapped in an annuity blanket with high fees, etc. Changes to the rules occurred slowly over many years and several reform iterations.]
Anyway, the taxable account looks like this (after I did the arithmetic — these percentages mean nothing to me, and provide no real clue as to how the portfolio as a whole is structured):
67% VTSAX — Vanguard Total Stock Market Index ► Almost 80% of that is long term capital gains...
20% VTMGX — Vanguard Developed Markets Index
12% VEMAX — Vanguard Emerging Markets Stock Index
1% VMRXX — Vanguard Cash Reserves Federal Money Market Fund
Last edited by iceport on Thu Jun 10, 2021 7:39 pm, edited 1 time in total.
"Discipline matters more than allocation.” |—| "In finance, if you’re certain of anything, you’re out of your mind." ─William Bernstein
Re: Willing to share your Taxable Portfolio?
VTI 60%
IJS 16%
VEA 16%
VWO 8%
All long term buy and holds. LT unrealized Cap Gains are such that this taxable portfolio will be with me to the end.
IJS 16%
VEA 16%
VWO 8%
All long term buy and holds. LT unrealized Cap Gains are such that this taxable portfolio will be with me to the end.
Re: Willing to share your Taxable Portfolio?
Simplicity.
100% ITOT.
100% ITOT.
Re: Willing to share your Taxable Portfolio?
VTSAX and VTIAX
Re: Willing to share your Taxable Portfolio?
100% VFIAX. I've pruned a few others over the years and settled for, this is my backup emergency fund/temperature check for early retirement.
"You can't latte yourself to bankruptcy. The bladder won't allow it." |
-Katherine Porter
Re: Willing to share your Taxable Portfolio?
58% VTI
42% VXUS
42% VXUS
Stocks-80% || Bonds-20% || Taxable-VTI/VXUS || IRA-VT/BNDW
Re: Willing to share your Taxable Portfolio?
80% VTI
20% VXUS
20% VXUS
- Pizza_and_Beer
- Posts: 86
- Joined: Wed Aug 29, 2018 3:23 pm
- Location: Brooklyn, NY
Re: Willing to share your Taxable Portfolio?
VBR (Vanguard Small-Cap Value Index Fund ETF): 5%
VNQ (Vanguard Real Estate Index Fund ETF): 4%
VTI (Vanguard Total Stock Market Index Fund ETF): 32%
VTIVX (Vanguard Target Retirement 2045 Fund Investor Shares): 18%
VXUS (Vanguard Total International Stock Index Fund ETF): 32%
Company Stock: 10%
Series I Savings Bonds: 11%
If I had to do it all over again, I would just invest in VTI, VXUS, and Series I Savings Bonds. I'm putting all future contributions and dividends in my taxable into VTI, VXUS, and Series I Savings Bonds.
Target asset allocation is 90% stocks/10% bonds, with equity portion being 60% US and 40% International.
VNQ (Vanguard Real Estate Index Fund ETF): 4%
VTI (Vanguard Total Stock Market Index Fund ETF): 32%
VTIVX (Vanguard Target Retirement 2045 Fund Investor Shares): 18%
VXUS (Vanguard Total International Stock Index Fund ETF): 32%
Company Stock: 10%
Series I Savings Bonds: 11%
If I had to do it all over again, I would just invest in VTI, VXUS, and Series I Savings Bonds. I'm putting all future contributions and dividends in my taxable into VTI, VXUS, and Series I Savings Bonds.
Target asset allocation is 90% stocks/10% bonds, with equity portion being 60% US and 40% International.
Re: Willing to share your Taxable Portfolio?
Age 79. Taxable portfolio is 60% of total portfolio.
of taxable portfolio
35% checking, savings, CDs, EE and I bonds
65% VTSAX, VFIAX, FSKAX and 4 individual stocks
I have plans to update the house and grounds which is why so much in fixed income.
of taxable portfolio
35% checking, savings, CDs, EE and I bonds
65% VTSAX, VFIAX, FSKAX and 4 individual stocks
I have plans to update the house and grounds which is why so much in fixed income.
Re: Willing to share your Taxable Portfolio?
20% - VEU (Vanguard FTSE All World Except US)
4% - VBK (Vanguard Small Growth)
48% - VTI (Vanguard Total Stock Market)
28% - VTCLX (Vanguard Tax Managed Capital Appreciation)
4% - VBK (Vanguard Small Growth)
48% - VTI (Vanguard Total Stock Market)
28% - VTCLX (Vanguard Tax Managed Capital Appreciation)
Re: Willing to share your Taxable Portfolio?
Marseille07 wrote: ↑Sun Nov 29, 2020 12:05 am My modified version of Buffett 90/10.
45% VOO
45% QQQ
10% TLT
What do you mean Buffet 90/10 ?
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Re: Willing to share your Taxable Portfolio?
50% VTSAX
25% VTIAX
25% VBTLX
25% VTIAX
25% VBTLX
50% VTSAX | 25% VTIAX | 25% VBTLX (retirement), 25% VTEAX (taxable)
Re: Willing to share your Taxable Portfolio?
VTI 73%
VXUS 27%
VXUS 27%
Re: Willing to share your Taxable Portfolio?
94% high yield money market acct 0.5%
4% AAPL
2% RBLX
going to have large purchase soon
Kids have
60% VTSAX
40% AAPL
4% AAPL
2% RBLX
going to have large purchase soon
Kids have
60% VTSAX
40% AAPL
Re: Willing to share your Taxable Portfolio?
So do you still do theFlynow7 wrote: ↑Tue Nov 23, 2021 11:15 amMarseille07 wrote: ↑Sun Nov 29, 2020 12:05 am My modified version of Buffett 90/10.
45% VOO
45% QQQ
10% TLT
What do you mean Buffet 90/10 ?
45% VOO
45% QQQ
10% TLT
?
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Re: Willing to share your Taxable Portfolio?
85% VTSAX
15% VUSXX
15% VUSXX
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Re: Willing to share your Taxable Portfolio?
Individual stocks (AAPL, TSLA, SNAP) 38%
IJT (Small Cap Growth) 25%
FIPDX (TIPS) 12%
FZROX Stock Index) 10%
FHIGX (Municipal Bond) 8%
VGSLX (REIT) 7%
IJT (Small Cap Growth) 25%
FIPDX (TIPS) 12%
FZROX Stock Index) 10%
FHIGX (Municipal Bond) 8%
VGSLX (REIT) 7%
- Alto Astral
- Posts: 970
- Joined: Thu Oct 08, 2009 10:47 am
Re: Willing to share your Taxable Portfolio?
100% Vanguard Total Stock Market Index Fund
I bonds
I bonds
Re: Willing to share your Taxable Portfolio?
Interesting to see lots of ETFs in the Portfolios,
Our invested Savings in the Taxable Accounts ---
Total Stock Market Index -.......... VTI ....... 52.57 %
International Stock Market Index - VTIAX ---- 23.74 %
Tax Exempt Intermediate Bond - VWIUX ........ 16.67 %
Bank Cash + I Bonds ...... .............. 2.52 %
Short Term Bond Index .......... VBIRX -------- 2.21 %
Total Stock Market Index Fund .VTSAX ........... 1.54 %
Fidelity Total Market Index ...FSKAX ...... 0.08 %
Tax Deferred Accounts are all Bonds
Our invested Savings in the Taxable Accounts ---
Total Stock Market Index -.......... VTI ....... 52.57 %
International Stock Market Index - VTIAX ---- 23.74 %
Tax Exempt Intermediate Bond - VWIUX ........ 16.67 %
Bank Cash + I Bonds ...... .............. 2.52 %
Short Term Bond Index .......... VBIRX -------- 2.21 %
Total Stock Market Index Fund .VTSAX ........... 1.54 %
Fidelity Total Market Index ...FSKAX ...... 0.08 %
Tax Deferred Accounts are all Bonds
Last edited by Rajsx on Tue Nov 23, 2021 8:33 pm, edited 1 time in total.
Re: Willing to share your Taxable Portfolio?
I'll post a bland update of what has happened since my first post in this thread (quoted above).livesoft wrote: ↑Sat Nov 28, 2020 3:47 pm 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.
I've made a couple of transactions: (a) I bought some VTI shares in December 2020 with some dividends and (b) I sold some VTI shares in May to pay for a new car. That's it.
Re: Willing to share your Taxable Portfolio?
Vanguard:
1. Vanguard Total Stock Market Index Fund
2. Vanguard Total International Index Fund
3. Vanguard California municipal bond funds (Long, Intermediate and short)
4. Vanguard California tax exempt money market .
Fidelity:
ITOT (ISharesTotal US stock market index ETF)
IXUS (IShares Total International index ETF)
Some of IBonds.
That is all, pure and simple taxable holdings, no individual stocks , period. More than enough.
1. Vanguard Total Stock Market Index Fund
2. Vanguard Total International Index Fund
3. Vanguard California municipal bond funds (Long, Intermediate and short)
4. Vanguard California tax exempt money market .
Fidelity:
ITOT (ISharesTotal US stock market index ETF)
IXUS (IShares Total International index ETF)
Some of IBonds.
That is all, pure and simple taxable holdings, no individual stocks , period. More than enough.
"The fund industry doesn't have a lot of heroes, but he (Bogle) is one of them," Russ Kinnel
Re: Willing to share your Taxable Portfolio?
Very well, if you must know...
60% Cash (Chequing, savings, and SWVXX Schwab Money Market)
9.6% SCHG Schwab US Large Cap Growth ETF (0.04%)
2.4% EFG iShares MSCI EAFE Growth ETF (0.39%)
8.4% SCHZ Schwab Aggregate Bond ETF (0.04%)
8.4% IAGG iShares International Bond Aggregate ETF (0.08%)
5.6% SCHP Schwab US TIPS ETF (0.05%)
5.6% ANGL Van Eck Fallen Angel High Yield Bond ETF (0.5%)
The positions outside of cash represent a prototype 30/70 portfolio that I may end up using as my general investment strategy come retirement, perhaps 11 years from now. We'll see how it goes. Hopefully, lower ER alternatives to EFG and ANGL will eventually come to market.
60% Cash (Chequing, savings, and SWVXX Schwab Money Market)
9.6% SCHG Schwab US Large Cap Growth ETF (0.04%)
2.4% EFG iShares MSCI EAFE Growth ETF (0.39%)
8.4% SCHZ Schwab Aggregate Bond ETF (0.04%)
8.4% IAGG iShares International Bond Aggregate ETF (0.08%)
5.6% SCHP Schwab US TIPS ETF (0.05%)
5.6% ANGL Van Eck Fallen Angel High Yield Bond ETF (0.5%)
The positions outside of cash represent a prototype 30/70 portfolio that I may end up using as my general investment strategy come retirement, perhaps 11 years from now. We'll see how it goes. Hopefully, lower ER alternatives to EFG and ANGL will eventually come to market.
Eschew obfuscation.
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Re: Willing to share your Taxable Portfolio?
Taxable:
80% VLCAX (Large Cap Index Admiral)
20% VWLUX (long-term tax exempt Admiral)
Keeping it simple in this part of the portfolio. Percentages are base allocations and can vary plus-or-minus 10% due to rebalancing in value averaging plan. All additions made to bond side and rebalanced quarterly.
80% VLCAX (Large Cap Index Admiral)
20% VWLUX (long-term tax exempt Admiral)
Keeping it simple in this part of the portfolio. Percentages are base allocations and can vary plus-or-minus 10% due to rebalancing in value averaging plan. All additions made to bond side and rebalanced quarterly.
"History doesn’t repeat itself, but it often rhymes." -- Mark Twain // "If you have a garden and a library, you have everything you need." — Cicero
- xraygoggles
- Posts: 308
- Joined: Sat Sep 15, 2018 3:30 pm
- Location: Paradise
Re: Willing to share your Taxable Portfolio?
45% VTI
15% VWALX (Vanguard High-Yield Tax-Exempt Fund)
40% Cash
Cash will be DCAed at 80/20 ratio in the other two
15% VWALX (Vanguard High-Yield Tax-Exempt Fund)
40% Cash
Cash will be DCAed at 80/20 ratio in the other two
Simplicity is the key to brilliance - Vti & chill.
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- xraygoggles
- Posts: 308
- Joined: Sat Sep 15, 2018 3:30 pm
- Location: Paradise
Re: Willing to share your Taxable Portfolio?
Why not muni bond fund?
Simplicity is the key to brilliance - Vti & chill.
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- Joined: Sun Apr 22, 2018 5:39 pm
Re: Willing to share your Taxable Portfolio?
75% Vanguard S&P 500 Index ETF (VOO)
14% Vanguard Total Stock Market Index ETF (VTI)
6% Vanguard Tax Exempt Bond fund ETF (VTEB)
3% Alphabet Inc Class A (GOOGL)
2% Doximity (DOCS)
Taxable makes up 47% of total investment portfolio
(AA = 50% US, 10% Int, 40% Fixed)
14% Vanguard Total Stock Market Index ETF (VTI)
6% Vanguard Tax Exempt Bond fund ETF (VTEB)
3% Alphabet Inc Class A (GOOGL)
2% Doximity (DOCS)
Taxable makes up 47% of total investment portfolio
(AA = 50% US, 10% Int, 40% Fixed)
Re: Willing to share your Taxable Portfolio?
Vanguard Federal MM Fund (VMFXX) - 49%
T. Rowe Price Floating Rate Investor (PRFRX) - 13%
Vanguard Core-Plus Bond Fund (VCPIX) - 6%
Vanguard Life Strategy Income Fund (VASIX) - 32%
T. Rowe Price Floating Rate Investor (PRFRX) - 13%
Vanguard Core-Plus Bond Fund (VCPIX) - 6%
Vanguard Life Strategy Income Fund (VASIX) - 32%
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- Joined: Wed Dec 02, 2020 12:13 pm
Re: Willing to share your Taxable Portfolio?
100% VTCLX
if we ever get to TLH, we'll use VLCAX
prevents any issues with wash sales and our retirement accounts
VTCLX = Vanguard Tax-Managed Capital Appreciation Fund
VLCAX = Vanguard Large Cap Index Fund
if we ever get to TLH, we'll use VLCAX
prevents any issues with wash sales and our retirement accounts
VTCLX = Vanguard Tax-Managed Capital Appreciation Fund
VLCAX = Vanguard Large Cap Index Fund
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- Joined: Fri Jan 29, 2016 11:40 am
Re: Willing to share your Taxable Portfolio?
Currently about:
10% BRKB
11% QQQ
9% XLU (planning to move this to NTSX someday)
58% VOO
12% VTEB
10% BRKB
11% QQQ
9% XLU (planning to move this to NTSX someday)
58% VOO
12% VTEB
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- Location: Sugar Land, Texas
Re: Willing to share your Taxable Portfolio?
VTSAX at Vanguard.
Re: Willing to share your Taxable Portfolio?
Roughly 500k all in on Tesla stock.
Re: Willing to share your Taxable Portfolio?
Yes I would of probably been better off with a bond fund.
I started buying them 35 years ago, honestly I did not know any better. They are mostly AA paying 4.5-5% with 4 or 5 being called every year.
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- Location: Sacramento
Re: Willing to share your Taxable Portfolio?
61% - VTSAX
16% - VTIAX
21% - VFIUX
2% - I-Bonds
Also, our Roths are 100% SWTSX
16% - VTIAX
21% - VFIUX
2% - I-Bonds
Also, our Roths are 100% SWTSX
Last edited by skeptical1 on Wed Nov 24, 2021 7:34 pm, edited 1 time in total.
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Re: Willing to share your Taxable Portfolio?
60% vtsax total stock market index
20% vtiax total international stock market index
20% vtmsx tax managed small cap index
20% vtiax total international stock market index
20% vtmsx tax managed small cap index
Re: Willing to share your Taxable Portfolio?
Jason debolt is holding 20 million in Tesla stock I’m no where near his level he is on a different stratosphereMarseille07 wrote: ↑Wed Nov 24, 2021 7:28 pmYou are really something else. I know Jason DeBolt's portfolio is something similar.
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Re: Willing to share your Taxable Portfolio?
Wow. Must have made a killing. Wow.
Re: Willing to share your Taxable Portfolio?
Aside from liquid savings in a money market account, the only taxable retirement savings are invested in two vehicles:
Part of my long term compensation is given in RSUs of company stock (I work for a large Dow 30 company) that vest 1/3rd at a time over a 3 year vesting period. The year that a portion vests, I pay tax as income by liquidating the shares and the remainder gets invested into…
The Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX). While not fully diversified, it is simple, tax efficient, low cost and requires no rebalancing. Our time horizon the retirement is relatively short and its asset allocation is in alignment with our goals. I place a portion of my annual cash bonus in this and I also regularly contribute to this fund with after tax dollars beyond my 401k max.
Part of my long term compensation is given in RSUs of company stock (I work for a large Dow 30 company) that vest 1/3rd at a time over a 3 year vesting period. The year that a portion vests, I pay tax as income by liquidating the shares and the remainder gets invested into…
The Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX). While not fully diversified, it is simple, tax efficient, low cost and requires no rebalancing. Our time horizon the retirement is relatively short and its asset allocation is in alignment with our goals. I place a portion of my annual cash bonus in this and I also regularly contribute to this fund with after tax dollars beyond my 401k max.
Re: Willing to share your Taxable Portfolio?
How about
VTI 60% VOO 20% VGT 20%
For a taxable account is this reasonable ? I like having the technology tilt.
VTI 60% VOO 20% VGT 20%
For a taxable account is this reasonable ? I like having the technology tilt.
Re: Willing to share your Taxable Portfolio?
20% vanguard short term Treasury ETF
40% ishares total us
20% ishares small value
20% ishares ex us etf
40% ishares total us
20% ishares small value
20% ishares ex us etf
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Re: Willing to share your Taxable Portfolio?
It’s been pretty good. Who would have expected MSFT and Google which already had high valuation to go up 60% since then.
Re: Willing to share your Taxable Portfolio?
Do you have an exit/rebalancing plan, or are you viewing this as a forever buy and hold portfolio for the rest of your life until your heirs get stepped up cost basis?manatee2005 wrote: ↑Thu Nov 25, 2021 9:48 amIt’s been pretty good. Who would have expected MSFT and Google which already had high valuation to go up 60% since then.
Re: Willing to share your Taxable Portfolio?
40% VTI - Vanguard Total US
25% VXUS - Vanguard Total Int
15% FNDB - Schwab Fundamental US Broad Market
10% FNDF - Schwab Fundamental Foreign Large Cap
5% FNDC - Schwab Fundamental Foreign Small Cap
5% FNDE - Schwab Fundamental Emerging Markets
25% VXUS - Vanguard Total Int
15% FNDB - Schwab Fundamental US Broad Market
10% FNDF - Schwab Fundamental Foreign Large Cap
5% FNDC - Schwab Fundamental Foreign Small Cap
5% FNDE - Schwab Fundamental Emerging Markets