Willing to share your Taxable Portfolio?

Have a question about your personal investments? No matter how simple or complex, you can ask it here.
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sergeant
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Re: Willing to share your Taxable Portfolio?

Post by sergeant »

50% VFIJX
50% VFIAX
It's our holding spot for our next home purchase. Our current home is paid off but we don't want to be contingent. I would be 100% VFIAX if we weren't planning on tapping it soon.
For the ashes of his fathers, And the temples of his gods. | Pensions= 2X yearly expenses. Portfolio= 40X yearly expenses.
avidlearner
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Re: Willing to share your Taxable Portfolio?

Post by avidlearner »

VTSAX and VTIAX and some TLH counterparts of it.
muffins14
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Re: Willing to share your Taxable Portfolio?

Post by muffins14 »

32% FNDA
27% NTSX
21% FNDC
12% VWO
Rest is split between cash and VTEB for short-term needs

My portfolio (taxable and pretax and Roth) is quite tilted and I use NTSX for some tax-efficient leverage
Last edited by muffins14 on Sat Nov 28, 2020 11:07 pm, edited 1 time in total.
Crom laughs at your Four Winds
ivgrivchuck
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Re: Willing to share your Taxable Portfolio?

Post by ivgrivchuck »

iudiehard1 wrote: Sat Nov 28, 2020 3:13 pm Happy Thanksgiving
See my signature.
25% VTI | 25% VXUS | 12.5% AVUV | 10% AVDV | 2.5% VWO | 25% BND/SCHR/SCHP
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FlatSix
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Re: Willing to share your Taxable Portfolio?

Post by FlatSix »

17.5% WFWAX (Ex-US)
42.5% VLCAX (Large Cap)
40% VTSAX (US TSM)

The VLCAX came as a result TLH from VTSAX during the COVID lows. New money has since gone in to VTSAX.
HasHas
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Re: Willing to share your Taxable Portfolio?

Post by HasHas »

VTSAX: Vanguard Total Stock Market Index Fund
VTIAX: Vanguard Total International Stock Index Fund

The exact split is determined such that the asset allocation across my taxable and tax-advantaged accounts is VTSAX (54), VTIAX (36), and Total Bond Market Index Fund VBTLX/FXNAX (10).
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FrugalInvestor
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Re: Willing to share your Taxable Portfolio?

Post by FrugalInvestor »

90% VTSAX
10% Cash, CDs and MM funds

I'm retired. The cash portion represents my living expenses for the next two years and the VTSAX feeds that through dividends and withdrawals.
Have a plan, stay the course and simplify. Then ignore the noise!
Marseille07
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Re: Willing to share your Taxable Portfolio?

Post by Marseille07 »

deleted
Last edited by Marseille07 on Fri Dec 30, 2022 12:54 am, edited 1 time in total.
casun
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Re: Willing to share your Taxable Portfolio?

Post by casun »

100% vtsax
codfish
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Re: Willing to share your Taxable Portfolio?

Post by codfish »

casun wrote: Sun Nov 29, 2020 12:14 am100% vtsax
+1
KyleAAA
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Re: Willing to share your Taxable Portfolio?

Post by KyleAAA »

Mostly VTI and VXUS. VXUS hasn't been a very tax efficient buy lately due to the higher yield, so I've been solely buying VTI.

I held a bunch of ITOT and IXUS earlier in the year but I TLH'd out of most of it.
AK62
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Re: Willing to share your Taxable Portfolio?

Post by AK62 »

VEA Vanguard FTSE Developed Markets ETF
VOO Vanguard S&P 500 ETF
VXF Vanguard Extended Market ETF
ohboy!
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Re: Willing to share your Taxable Portfolio?

Post by ohboy! »

SPTM 45%
SPDW 55%

TDA

About to dump a bunch of cash in taxable. Stay the course or?
core4portfolio
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Re: Willing to share your Taxable Portfolio?

Post by core4portfolio »

My taxable as follows:
70% on VOO
30% on individual stocks

I did TLH this year and so VTI changed to VOO
Allocation : 80/20 (90% TSM, 10% on ARKK,XBI,XLK/individual stocks and 20% TBM) | | Need to learn fishing sooner
jsapiandante
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Re: Willing to share your Taxable Portfolio?

Post by jsapiandante »

VTSAX - 85%
VWITX - 15%
Wannaretireearly
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Re: Willing to share your Taxable Portfolio?

Post by Wannaretireearly »

UpperNwGuy wrote: Sat Nov 28, 2020 6:20 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.
Ha. I'm the opposite, wrath of no us funds in taxable.
Bulk in vanguard ftse large cap and small cap ex. US.
Dividends now going to vanguard EM.
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manatee2005
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Re: Willing to share your Taxable Portfolio?

Post by manatee2005 »

AMZN
DIS
GOOG
MSFT
NET
NVDA
ROKU
SHOP
TSLA
V
ZM
Affable at 50
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Re: Willing to share your Taxable Portfolio?

Post by Affable at 50 »

ITOT 73%. (Total Stock Market ETF)
FXAIX. 17%. (S&P 500 Index)
FSKAX. 9%. (Total Stock Market ETF)
SPAXX. 1%. (Government Money Market account)
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HMSVictory
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Re: Willing to share your Taxable Portfolio?

Post by HMSVictory »

Like some other posters I tax loss harvested out of VTSMX and VGTSX into:

80% - VFINX
20% - VFWAX

You want to hold your stocks in Roth and Taxable accounts and any bonds in tax deferred accounts so that the majority of your growth goes to you (and not your Uncle Sam (US)). :)
Stay the course!
Danimals543
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Re: Willing to share your Taxable Portfolio?

Post by Danimals543 »

100% VTSAX, I use it more for personal investment (I.e. buying a home) rather than retirement. My retirement is more diversified (60% VTSAX, 40% VTIAX).
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beernutz
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Re: Willing to share your Taxable Portfolio?

Post by beernutz »

At Schwab
Equities: 73%
PRILX 13% active large cap equity *
LZIEX 8% active international *
SWTSX 42% total market index
SWPPX 10% SP500 index

FI: 27%
cash/MM 9%
OPTAX 6% high yield muni fund
RMUNX 6% high yield muni fund
ORNAX 6% high yield muni fund

* retained from previously managed Schwab account portfolio
Last edited by beernutz on Sun Nov 29, 2020 2:02 pm, edited 3 times in total.
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abuss368
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Re: Willing to share your Taxable Portfolio?

Post by abuss368 »

Total Stock and Tax Exempt Bond.
John C. Bogle: “Simplicity is the master key to financial success."
UpperNwGuy
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Re: Willing to share your Taxable Portfolio?

Post by UpperNwGuy »

abuss368 wrote: Sun Nov 29, 2020 7:20 am Total Stock and Tax Exempt Bond.
The famous two-fund portfolio!
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midareff
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Re: Willing to share your Taxable Portfolio?

Post by midareff »

In rough numbers.... age 73, retired 8.5 years.

Taxable is 33% of total, IRA 54%, Roth 9%, Bank savings and CDs 4%

As a percent of total portfolio; Total US Stock Market (VTSAX) is 16.5%, Intermediate Munis (VWIUX) is 5.5%, Long Term Munis (VWLUX) is 11%.

Taxable sends all dividends to an account we use to self escrow taxes and car/condo insurance. Should the CARES Act continue into 2021 and the provisions of IRA maintain I will again send our RMD to my Roth and withdraw similar funds from taxable to replace that money.
Last edited by midareff on Sun Nov 29, 2020 8:34 am, edited 1 time in total.
Silverado
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Re: Willing to share your Taxable Portfolio?

Post by Silverado »

abuss368 wrote: Sun Nov 29, 2020 7:20 am Total Stock and Tax Exempt Bond.
Hmm, does a Tax Exempt holding qualify as a taxable holding.....?

We have about 75% in vtsax, 20% in some legacy holdings (TRP Science and Tech and some stocks). Rest in cash. We are fortunately able to put a real nice amount into vtsax every month and will likely hit 90% in a couple years.
sschoe2
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Re: Willing to share your Taxable Portfolio?

Post by sschoe2 »

60% VTSAX
20% VTMSX
20% VTIAX
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midareff
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Re: Willing to share your Taxable Portfolio?

Post by midareff »

Silverado wrote: Sun Nov 29, 2020 8:21 am
abuss368 wrote: Sun Nov 29, 2020 7:20 am Total Stock and Tax Exempt Bond.
Hmm, does a Tax Exempt holding qualify as a taxable holding.....?

We have about 75% in vtsax, 20% in some legacy holdings (TRP Science and Tech and some stocks). Rest in cash. We are fortunately able to put a real nice amount into vtsax every month and will likely hit 90% in a couple years.
Dividends are Federal (IRS) Tax-Exempt, they may or may not be state tax-exempt and you would have to check your state's tax laws. Capital gains or losses are not Federal exempt and do count.
Robert20
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Re: Willing to share your Taxable Portfolio?

Post by Robert20 »

KyleAAA wrote: Sun Nov 29, 2020 1:00 am Mostly VTI and VXUS. VXUS hasn't been a very tax efficient buy lately due to the higher yield, so I've been solely buying VTI.

I held a bunch of ITOT and IXUS earlier in the year but I TLH'd out of most of it.
Based on earlier discussions, VXUS supposed to be held in taxable to claim FTC.. What tax issue u r seeing?
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mmmodem
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Re: Willing to share your Taxable Portfolio?

Post by mmmodem »

Huskiez wrote: Sat Nov 28, 2020 3:27 pm100% VTWAX
Same. 100% VTWAX in taxable.
We follow https://www.bogleheads.org/wiki/Tax-eff ... _placement

Our 401k has extremely low cost institution class Total Stock Index funds and Total Bond Index funds that we cannot purchase as an individual investor. Our 401k is also by far our largest account which allows for tax free rebalancing of just about any scenario.

HSA and Roth IRA is in VTSAX so that taxable can be our international allocation. This allows us to claim the foreign tax credit.
Silverado
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Re: Willing to share your Taxable Portfolio?

Post by Silverado »

midareff wrote: Sun Nov 29, 2020 8:31 am
Silverado wrote: Sun Nov 29, 2020 8:21 am
abuss368 wrote: Sun Nov 29, 2020 7:20 am Total Stock and Tax Exempt Bond.
Hmm, does a Tax Exempt holding qualify as a taxable holding.....?

We have about 75% in vtsax, 20% in some legacy holdings (TRP Science and Tech and some stocks). Rest in cash. We are fortunately able to put a real nice amount into vtsax every month and will likely hit 90% in a couple years.
Dividends are Federal (IRS) Tax-Exempt, they may or may not be state tax-exempt and you would have to check your state's tax laws. Capital gains or losses are not Federal exempt and do count.

I was mostly teasing, but thanks for that summary. I always plan to research those more, but never quite get to it. Very interesting.
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anon_investor
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Re: Willing to share your Taxable Portfolio?

Post by anon_investor »

Excluding our play money allocation (which is in VGT and VUG), our taxable account is roughly:

60%: VDADX (Vanguard Dividend Appreciation Index)
40%: VTSAX (Vanguard Total Stock Market Index)

But over time the VTSAX percentage will increase significantly as we are not adding to VDADX (but reinvesting dividends, for now) and we are adding a healthy amount to VTSAX every pay check.

Although VDADX is not very BH, we like it and I view it as a tier of our emergency fund. At 100% qualified dividends and a dividend yield only slightly higher than VTSAX, it is not a terrible tax drag. I know it is a mental crutch, but we like how it is just a little less volatile than VTSAX.
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Re: Willing to share your Taxable Portfolio?

Post by KyleAAA »

Robert20 wrote: Sun Nov 29, 2020 8:34 am
KyleAAA wrote: Sun Nov 29, 2020 1:00 am Mostly VTI and VXUS. VXUS hasn't been a very tax efficient buy lately due to the higher yield, so I've been solely buying VTI.

I held a bunch of ITOT and IXUS earlier in the year but I TLH'd out of most of it.
Based on earlier discussions, VXUS supposed to be held in taxable to claim FTC.. What tax issue u r seeing?
Tax on the higher dividend and lower proportion of QDI far outweighs the value of the FTC.
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peterinjapan
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Re: Willing to share your Taxable Portfolio?

Post by peterinjapan »

I can’t be the only one who wonders why VT is “Vanguard total world” while VTI is “Vanguard total U.S.”? “I” meaning “international” means these should be flipped.

I pick strange things to obsess about.
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1789
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Re: Willing to share your Taxable Portfolio?

Post by 1789 »

Cash(80%) and US TSM (20%)
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Katara
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Re: Willing to share your Taxable Portfolio?

Post by Katara »

Taylor Larimore wrote: Sat Nov 28, 2020 4:19 pm
iudiehard1 wrote: Sat Nov 28, 2020 3:13 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."

Taylor:

I think this is exactly what I want to do.

I'm new to investing and 100% to Vanguard Total Stock Market Index Fund (VTSAX) is what I would like in my taxable account (I am currently filling all of my eligible tax-advantaged space). When I recently posted a portfolio review, the subject of tax-loss harvesting came up and after reading the Wiki, I figured that if tax-loss harvesting is needed, I could purchase Vanguard 500 Index Fund Admiral Shares (VFIAX). I'm wondering if the "small money-market fund for 500 dividends" you use is the Vanguard Federal Money Market Fund (Settlement fund) and do you then accumulate those dividends and invest in whichever fund is underperforming? Can it really be this simple? My current taxable account is 100% in the settlement fund because I can't seem to make a decision.

-Katara
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beernutz
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Re: Willing to share your Taxable Portfolio?

Post by beernutz »

Silverado wrote: Sun Nov 29, 2020 8:21 am
abuss368 wrote: Sun Nov 29, 2020 7:20 am Total Stock and Tax Exempt Bond.
Hmm, does a Tax Exempt holding qualify as a taxable holding.....?

We have about 75% in vtsax, 20% in some legacy holdings (TRP Science and Tech and some stocks). Rest in cash. We are fortunately able to put a real nice amount into vtsax every month and will likely hit 90% in a couple years.
My state seems to think so.

Edit: OK I see your later reply. Maybe consider a disclaimer that you weren't serious?
AA: 38/43/19 - equities/positive return-zero volatility/bonds | DW retired 2019, I retired 2022, "it'll be fine"
radiowave
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Re: Willing to share your Taxable Portfolio?

Post by radiowave »

Total US stock market MF and total international MF. I don't do percentages on individual accounts, just my total portfolio. Not sure if this counts but some 2% CDs (ah the good old days, hey that was just last year).
Last edited by radiowave on Sun Nov 29, 2020 10:27 am, edited 1 time in total.
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Bobby Lupo
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Re: Willing to share your Taxable Portfolio?

Post by Bobby Lupo »

50% Tax Managed Balanced Fund
50% Life Strategy Moderate
Saluki_C
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Re: Willing to share your Taxable Portfolio?

Post by Saluki_C »

Emergency fund in cash, otherwise 100% VTSAX.
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abuss368
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Re: Willing to share your Taxable Portfolio?

Post by abuss368 »

anon_investor wrote: Sun Nov 29, 2020 8:47 am Excluding our play money allocation (which is in VGT and VUG), our taxable account is roughly:

60%: VDADX (Vanguard Dividend Appreciation Index)
40%: VTSAX (Vanguard Total Stock Market Index)

But over time the VTSAX percentage will increase significantly as we are not adding to VDADX (but reinvesting dividends, for now) and we are adding a healthy amount to VTSAX every pay check.

Although VDADX is not very BH, we like it and I view it as a tier of our emergency fund. At 100% qualified dividends and a dividend yield only slightly higher than VTSAX, it is not a terrible tax drag. I know it is a mental crutch, but we like how it is just a little less volatile than VTSAX.
I invested in Dividend Appreciation fund years ago. It is a good fund and I see nothing wrong with complimenting Total Stock if you are happy.
John C. Bogle: “Simplicity is the master key to financial success."
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Johnsson
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Re: Willing to share your Taxable Portfolio?

Post by Johnsson »

60% VTSAX
20% VIOV
10% VFWAX
10% VEMAX
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iudiehard1
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Re: Willing to share your Taxable Portfolio?

Post by iudiehard1 »

Keep’m coming. Really appreciate the responses!
Walk with the wise and become wise, for a companion of fools suffers harm. | SCHD 70% DGRO 30%
chitownguy
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Re: Willing to share your Taxable Portfolio?

Post by chitownguy »

AAPL - 40%
IJT (Small Cap) - 25%
FZROX (Total Market) -10%
FHIGX (Municipal Bond) - 10%
VGSLX (REIT) 10%
TSLA - 3%
SNAP -2%
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anon_investor
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Re: Willing to share your Taxable Portfolio?

Post by anon_investor »

abuss368 wrote: Sun Nov 29, 2020 10:37 am
anon_investor wrote: Sun Nov 29, 2020 8:47 am Excluding our play money allocation (which is in VGT and VUG), our taxable account is roughly:

60%: VDADX (Vanguard Dividend Appreciation Index)
40%: VTSAX (Vanguard Total Stock Market Index)

But over time the VTSAX percentage will increase significantly as we are not adding to VDADX (but reinvesting dividends, for now) and we are adding a healthy amount to VTSAX every pay check.

Although VDADX is not very BH, we like it and I view it as a tier of our emergency fund. At 100% qualified dividends and a dividend yield only slightly higher than VTSAX, it is not a terrible tax drag. I know it is a mental crutch, but we like how it is just a little less volatile than VTSAX.
I invested in Dividend Appreciation fund years ago. It is a good fund and I see nothing wrong with complimenting Total Stock if you are happy.
I am happy with it. Also because it is tax efficient, I see no reason to sell it and realize capital gains. Although, I am undecided if I want to continue to reinvest dividends. But overall it is less than 6.5% of my portfolio and shrinking (due to new contributions), so I do not worry about it too much. As they say, perfect is the enemy of good.
Francis42
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Re: Willing to share your Taxable Portfolio?

Post by Francis42 »

Ok - let me first say that this year has been one of beginning the long path to "fix" my portfolio. I'm moving from two actively managed funds that I picked when I didn't know what I was doing towards total domestic and international index funds with small cap value and emerging market tilts. At the beginning of this year, I had no small cap value, international, or bond funds exposure. I've started there and will be phasing out the actively managed funds starting Jan 1, 2021. I've been doing this rebalancing only with additional contributions in excess of maxing out tax advantaged retirement accounts. Since I'm doing this with with additional contributions, I expect that it will be a 2-3 year process.

Here is where I am now:
  • PRWAX - 40%
  • PRHSX - 35%
  • VXUS - 7%
  • VBR - 11%
  • BND - 6%
At the end of 2020, I should have:
  • PRWAX - 34% (This exact number will depend on cap gains distributions around 12/15/2020)
  • PRHSX - 34% (This exact number will depend on cap gains distributions around 12/15/2020)
  • VXUS - 12%
  • VBR - 10%
  • BND - 10%
Desired end state is:
  • VTI - 60%
  • VBR - 10%
  • VXUS - 15%
  • VWO - 5% (haven't quite settled on this. Still doing the math to get the tilt right with VXUS)
  • BND - 10%
*Note on desired end state - I plan on leaving 5% of my after tax portfolio for fun money. Investing in things I'm interested in. No expectations to gain an outsized return. Just having fun with things that interest me!
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7th_Diagram
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Re: Willing to share your Taxable Portfolio?

Post by 7th_Diagram »

SCHG - 100% of Taxable Portfolio
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Carguy85
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Re: Willing to share your Taxable Portfolio?

Post by Carguy85 »

Probably doing/will continue to do much less favorable since it’s so simple :D :D but 90/10 sp500/total bonds in taxable...HSA, IRA, and 401k are 100% sp500. I do have about 9mo cash on hand and no debts though.About 10% of NW in private equity in my field of work (when this turns over in a few more years it will go into SP500 in taxable) I’m such a simpleton and missing out I know but it works for me :happy
ChinchillaWhiplash
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Re: Willing to share your Taxable Portfolio?

Post by ChinchillaWhiplash »

SCHF
SCHB
NXQ
SCHO
HAIL
LUNA
GNSS
NancyABQ
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Re: Willing to share your Taxable Portfolio?

Post by NancyABQ »

This is at Schwab:

US Total Market or similar (after TLH):
SCHB (Schwab US Broad Market ETF)
SCHX (Schwab US Large-Cap ETF)
VOO (Vanguard S&P 500 ETF)
I have also had SCHK (SCHWAB 1000 INDEX ETF) and VTI (VANGUARD TOTAL STOCK MARKET ETF) in recent times.

International (after TLH):
VXUS (Vanguard Total International Stock Index Fund ETF)
It started in SCHF (SCHWAB INTERNATIONAL EQUITY ETF) and has also been in IXUS (ISHARES CORE MSCI TOTL INTL STCK ETF) and IDEV (ISHARES CORE MSCI INTRL DVLP MKT ETF).

I consider the various domestic funds and international funds to be more-or-less equivalent so I don't stress about which one I land in.

I tend to TLH fairly aggressively (i.e. for small amounts of losses) which has meant I had to get creative with TLH partners sometimes to avoid wash sales.
pseudoiterative
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Re: Willing to share your Taxable Portfolio?

Post by pseudoiterative »

Here's something to chuckle over:

Code: Select all

VCSH (16%)
VNQ + VNQI (2%)
RSXJ + EWO + ENOR + VESG (6%)
74 hand-picked individual stocks (77%), of which
- individual AUD stocks  5%
- individual CAD stocks  5%
- individual CNH stocks  1%
- individual EUR stocks  14%
- individual GBP stocks  4%
- individual HKD stocks  1%
- individual JPY stocks  24%
- individual SEK stocks  7%
- individual SGD stocks  2%
- individual USD stocks  14%
long-dated out-of-the-money TSLA put options 0.1%
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