Portfolio / Goal Check-up

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Posts: 12
Joined: Wed Jul 05, 2017 5:05 pm

Portfolio / Goal Check-up

Post by Senti »

Good Morning Bogleheads!

I have been on this site for about a year now and trying to learn as much as possible. I am trying to implement what I am learning here, but thought I should get a second opinion. Your input will be greatly appreciated.

Couple of goals:
• Buy a ‘dream home’ in approximately 2 years
• Reach financial independence at 55. We don’t see ourselves retiring at 55, but would like to cut down some.

Emergency Fund: None but have considerable cash savings for buying a home in in the next two years. If we run into a bad situation, we will delay the home purchase. We expect to have 50K+ remaining after we buy a house, which would cover approx. 10+ months of expenses at our new location.
Home Savings – $110,000 (1.20% interest rate)

Rental Property mortgage: $50,296 @4.625% (Home value approx. 68500)
We give approximately $2000/month to our parents.
Pay off credit cards on monthly basis.
No student loans, car loans, or personal mortgage (renting).

Tax Filing Status: Married filing Jointly
Tax Rate: 33% Federal (Marginal); 0% State (WY)
State of Residence: WY
Age Him:32; Her:32
Annual Income: $280,000
Annual Insurance Cost (auto/home/umbrella): $1K
Desired Asset allocation: 90% stocks / 10% bonds
Desired International allocation: 25%

Current Retirement Assets
Approximate value of all retirement assets – 230K (does not include house savings above)

Her 401K (John Hancock) - 32.23% (4% company match)
17.79% JH Multi-Index 2055 Preserv (0.79%)
1.58% T. Rowe Price Health Sci (1.22%) – No longer contribute to this fund.
4.80% Fidelity Contrafund (1.03%)
8.03% Vanguard Grown Index Fund (0.66%)

Her Rollover IRA (Vanguard)– 15.25%
9.93% VTIVX Vanguard Target Retirement 2045 Fund Investor Shares
5.34% VDADX Vanguard Dividend Appreciation Index Fund Admiral Shares

His 401K (Principal) – 15.62% (6% company match)
7.81% Principal LargeCap S&P 500 Index Separate Account (0.05%)
3.05% Principal MidCap S&P 400 Index Separate Account (0.05%)
2.62% Principal SmallCap S&P 600 Index Separate Account (0.05%)
1.80% Vanguard Total International Stock Index Institutional Fund (0.09%)
0.33% Company Stock – at no discount

His HSA (HSA Bank/TD Ameritrade) –2.30%
0.53% VIG Vanguard Dividend Appreciation Index Fund ETF Shares
0.18% VNQ Vanguard REIT ETF
1.30% VTI Vanguard Total Stock Market ETF
0.33%Cash – 761.93

His Backdoor Roth – 2.38%
2.38% FSTMX Fidelity Total MKT Investor Class –

His Canadian RSP -10.26%
10.26% TD Comfort Aggressive Growth Portfolio (2.25%) – I know, but I cannot change because of my residency in US.

Joint Taxable Brokerage Account (Vanguard) – 21.96%
11.45% VTEAX Vanguard Tax-Exempt Bond Index Fund Admiral Shares
7.29% VTWSX Vanguard Total World Stock Index Investor Shares

Other – Non Retirement
NY 529 Plan - $611
Aggressive Growth Portfolio
Aggressive Age-Based Aggressive Growth Portfolio

Annual Contributions:
Joint Taxable - $5000
Her 401K – $26000 ($18000 + $8000 company match)
His 401K – $22800 ($18000 + $4800 company match)
Her Roth - $5500
His Roth - $5500
His HSA - $4340 (2340 + 2000 company contribution)
NY 529 - $3600 [Plan on increasing contribution when we move to NY]
House Saving - ~$60/year

Available under Her 401K
Various JH Multi-Index Preserv Target Date Funds (ER ~0.78%)
DFA U.S. Small Cap Fund 0.97
Franklin Small-Mid Growth 1.06
Intl Small Cap Fund 1.18
Invesco Small Cap Growth1.09
Oppenheimer Developing Mkt 1.42
Pru Jennison Mid Growth Fund 1.11
Royce Opportunity 1.59
T. Rowe Price Health Sci 1.22
T. Rowe Price Sml Cap Val 1.38
Vanguard Small Cap Grow Index 0.67
Vanguard Small Cap Value Index 0.67
AMG Managers Fairpointe MidCap 1.42
Capital World Growth & Income 1.05
Fidelity Adv Leveraged Co Stk 1.16
Fidelity ContraFund 1.03
Fundamental Investors 0.90
Fundamental Large Cap Value 0.82
JPMorgan US Equity Fund 0.96
New Perspective Fund 1.05
T. Rowe Price Equity Inc 1.11
Templeton World 1.17
U.S. Growth Fund 0.90
Value Fund 0.95
Vanguard Growth Index Fund 0.66
T. Rowe Price Cap Appreciation 1.15
John Hancock Bond Fund 0.77
John Hancock Stable Val 1.05

Available under His 401K
Various T. Rowe Price Retirement Targe RateFunds (ER ~0.60%)
PIMCO Total Return Instl Fund PTTRX 0.51%
Vanguard Total Bond Market Index Institutional Fund VBTIX 0.04%
Fidelity Contrafund K Fund FCNKX 0.58%
Harbor Capital Appreciation Inst Fund HACAX 0.70%
Principal LargeCap S&P 500 Index Separate Account -- 0.05%
Vanguard Equity-Income Adm Fund VEIRX 0.17%
AllianzGI NFJ Small Cap Value I Fund PSVIX 0.89%
American Century Mid-Cap Value I Fund AVUAX 0.81%
Hartford SmallCap Growth Y Fund HSLYX 0.83%
Principal MidCap S&P 400 Index Separate Account -- 0.05%
Principal SmallCap S&P 600 Index Separate Account -- 0.05%
Victory Munder Mid-Cap Core Growth R6 Fund MGOSX 0.87%
Oppenheimer Developing Markets Institutional Fund ODVIX 0.88%
Oppenheimer International Growth Institutional Fund OIGIX 0.70%
Vanguard Total International Stock Index Institutional Fund VTSNX 0.09%
Company Stock –

Couple of Comments:
  • We have recently done a lot of cleaning of the accounts into a few investments as possible. Most of my accounts looked like the HSA account where I had too many funds for no real reason. As for that HSA account, I’ll be evenly splitting into a Vanguard REIT ETF (VNQ) and the Vanguard Total World Stock ETF (VT)
  • In Her 401K, my ongoing contributions are 60% JH Multi-Index 2055 Preserv (0.79%), 15% Fidelity Contrafund (1.03%), and 25% Vanguard Grown Index Fund (0.66%). I am not putting all into the target fund because it allocated 18% in bonds.
  • In His 401K, my ongoing contributions are 50% S&P500, 15% Midcap S&P 400, 10% Smallcap S&P 600 & 25% Vanguard Total International Stock Index Institutional Fund
  • In the joint taxable account, we have high bond allocation because this started out as a risky savings account for our future home. It had 75% bonds, but every year we bring it down because we don’t plan on drawing from this account.
  • We started to make this level of income in the last two years, and majority of our savings (75%) have been done in this time period.
  • Our immediate goal is to save for a house that would be in the 600-700K range in NY state. We want to save at least 140K for down payment and about 60K cushion for emergency and miscellaneous expenses. We expect to stay in WY for another two years, but hopefully hit the 200K mark by end of next year so we can add some extra breathing room. To be cautious we are planning for our income to drop to 250K, and have a little higher tax burden due to NY State. With all this considered, would you do anything differently for saving for the home?
  • To get my wife the backdoor Roth IRA, I need to transfer the Her Rollover IRA to her expensive John Hancock 401K. Is this a smart thing to do, or should I just leave it where it is and add what we would save to the Roth to the taxable accounts?
  • With the funds available in His & Her 401K, would you pick different funds?
  • Are we as tax efficient as possible?
Thank You,

Posts: 96
Joined: Thu May 15, 2014 9:32 am

Re: Portfolio / Goal Check-up

Post by jsh84 »

courtesy bump :happy
Topic Author
Posts: 12
Joined: Wed Jul 05, 2017 5:05 pm

Re: Portfolio / Goal Check-up

Post by Senti »

jsh84 wrote: Sun Sep 24, 2017 1:17 pm courtesy bump :happy
Thanks. :D
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