Portfolio Review for early 2022 with 2021 changes

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Topic Author
AK59
Posts: 140
Joined: Fri Aug 16, 2019 7:52 pm

Portfolio Review for early 2022 with 2021 changes

Post by AK59 »

I posted earlier this year and here is my update. With more known for the horizon and action taken I am looking for some feedback

Emergency funds: Him $10k/Her $10k (We feel confident with this based on our jobs, but can probably up this a bit)

Debt: $180K left on Mortgage at 2.12% 15 year, finishing up 1st year after a refinance

Tax Filing Status: Married Filing Jointly

Tax Rate: Federal 24%, State 0%

State of Residence: Alaska

Age: Him 37/Her 35

Desired Asset allocation: Him 95%stocks/5% bonds
Desired International allocation: Unknown, guidance would be appreciated

Her directed through employer plan

Income: His $80k last year (this account for all income reported both personal and business income)/Her $135k (Federal employee GS-14-2) $215 joint *Pre-tax*

Current retirement assets: (His 150k/Her 180k)

His Taxable - Fidelity ($25k)
6.27% Vanguard 500 Index Fund ETF VOO (.04)
5.76% Vanguard Total Stock Market Index Fund ETF Shares VTI (.03)
.31% Dalrada Financial Corporation DFCO
.67 Nividia Corporation NVDA
.42% Apple Inc APPL

His Taxable - Neuberger Berman ($38k)
21.60% Large Cap Value Fund Investor Class NPRTX (.85)

His Taxable – Vanguard ($39k)
21.43% Vanguard Wellesly Income Fund Investor Shares VWINX (.22)

His Simple IRA at Vanguard
5.76% VTSAX (.04) + Employer match 3% of salary

His Roth IRA at T Rowe Price ($35k)
13.09% T Rowe Price Blue Chip Growth Fund TRCBX (.68)
6.32% T Rowe Price Capital Appreciation Fund TRWCX (.69)

His Rollover IRA at Mass Mutual (No longer contributing, from previous employer)
4.64% American Growth Fund of America Class A AGTHX (.64)

Her Taxable – Vanguard
2.8% Vanguard Federal Money Market Fund VMFXX (.11)
5.26% Vanguard 500 Index Fund ETF VOO (.04)

Her Roth - Vanguard
3.5% Vanguard 500 Index Fund ETF VOO (.04)

Her TSP
All holdings in Lifecycle 2050 fund
35.2% Roth
30.55% Traditional

Her Cash
22.3% Savings in local Credit Union

His Allocations
Cash 5.32 78%
Intl Bonds 2.86%
US Bonds 12.78%
Intl Stocks 3.14%
US Stocks 74.04%

New annual Contributions
$14,000 his Simple IRA (+ 3% salary employer contributions)
$19,500 her TSP (+3% employer matching contributions)
$6,000 his Roth IRA
$6,000 her Roth IRA
He uses leftover money monthly to invest in his taxable as he can into VOO/VTI and some fun plays
She is investing leftover monthly to invest in her taxable as she wants into VOO

Notes
Changes he made in 2021
Added a SIMPLE IRA via his business to maximize retirement contributions
Added a brokerage account via Fidelity
I transferred my UGMA account into a brokerage account within Vanguard
I shut off contributions of VWINX for dividends and using that income to put into my taxable to re-allocate
Changes she made in 2021
Added a personal Roth IRA via Vanguard
Added a brokerage account for excess cash investments

Goals
1. Maximize our earnings/saving/investment portfolio
2. Save cash for

Questions:
1. Outside of maximizing his contributions and maintaining a healthy emergency fund, what should his next step be? Fund taxable as able?

2. We have some bigger expenses/purchases coming in the next 3-5 years (potential baby this year, fun toys for our adventures; camping trailer, house renovations,etc ) how is it best to save for this with our leftover income?

3. Are the funds that we have selected for the accounts efficient and good options for their end goals in terms of tax-efficiency, etc?

4. He currently has dividends and redistributions off on his VWINX and transferring that into his brokerage to re-allocate his portfolio, is this wise?
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