Starting a three-fund portfolio and questions about RSU

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Joined: Thu Nov 08, 2018 1:59 am

Starting a three-fund portfolio and questions about RSU

Post by griffir » Thu Nov 08, 2018 2:26 am

Hi everyone,

This is my first post. I'm trying to build a three fund portfolio and I have some questions about what I should do about mortgage, RSU and priorities.

Right now, my current investments are:
1. $16K in cash for emergencies,
2. $80K on my 401K which I have been maxing in the last 2 years;
3. $5.5k on an IRA which I intend to keep maxing every year.
4. $10k on Vanguard VTSAX I started this year;
5. $10k on Vanguard VBTLX I invested this week;
6. ~100K in my company stocks and more 100K to be received next year;
Total: ~221K currently.

Debts include:
1. $434k on a mortgage. (I paid 20% down payment, current interest is 3.875%)
2. car leasing around $314 per month for 2 more years. (my big mistake down the road).

My questions are:
1. I think I have too much invested in my company. Even my 401k has company stocks invested there. Should I sell some of my company stocks and buy more index funds?
2. Should I invest more in the VTSAX or should I try to diversify more on Bonds and International stocks first?
3. This one is hard: suppose that in 5 years, summing all my stocks I have the complete payment of my mortgage. Should I pay mortgage? Or let the investment there given that probably the investment interests will be higher than mortgage?
4. Any other ideas I might be missing here?

Thanks all.

Posts: 2684
Joined: Sun Jan 08, 2017 12:25 pm

Re: Starting a three-fund portfolio and questions about RSU

Post by PFInterest » Thu Nov 08, 2018 6:32 am

Limiting your company stock is a good idea.
I would not buy bonds in taxable if that is what you are implying.

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