Critique my portfolio please

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Tucuru
Posts: 5
Joined: Fri Mar 04, 2016 1:09 am

Critique my portfolio please

Post by Tucuru » Fri Jan 11, 2019 1:40 pm

Hello Bogleheads. Thanks in advanced for looking at my situation. Made a few new year’s goals and trying to get a better grasp on my finances is one of them. This has been a very informative exercise so far and hope to gain more insight from the forum.

Emergency Fund: $45,000 (checking and cash)
Debt: None
Tax Filing Status: Married Filing Jointly
Tax Rate: 24% Federal 4.54% State
State: AZ
Age: Him 36 Her 31
Desired Asset Allocation: 85% stocks/ 10% bonds/5% REIT
Desired International Allocation: 20%

Total Portfolio: ~500k

Taxable: None. Looking for advice on starting this now.

HSA: VGSNX, 0.10% (plus 0.033% monthly fee), 2.7%

RT L&G Russell 2000, 0.01: 15.3%
RT L&G S&P 500, 0.01: 14.4%

His non-gov 457
FSKAX, 0.015: 16.7%

His Roth IRA at Vanguard:
VPMAX, 0.32% : 17.0%
VGHAX, 0.33%: 20.7%
VBLTX, 0.15%: 2.9%

Her Roth IRA at Vanguard:
VTSAX, 0.04: 4.0%
VBTLX, 0.05: 2.3%
VTIAX, 0.11: 4.0%

Contributions:
$19000 to 401K with 4% company match
$19000 to 457
$12000 to His and Her backdoor Roth IRAs
Taxable: planning ~10k per year
$18,000 each year to 529s for children ( $68,000)
$7000 each year to HSA (employer contributes $1500)

Available Funds:

HSA:

SMALL VALUE
VSIAX

VANGUARD SMALL CAP VALUE INDEX ADMIRALPassive0.07%
INTERMEDIATE-TERM BOND
VBMPX

VANGUARD TOTAL BOND MARKET IDX INSTLPLSPassive0.03%
TARGET-DATE 2060+
VTTSX

VANGUARD TARGET RETIREMENT 2060 INVPassive0.15%
LARGE GROWTH
VIGIX

VANGUARD GROWTH INDEX INSTITUTIONALPassive0.04%
TARGET-DATE 2020
VTWNX

VANGUARD TARGET RETIREMENT 2020 INVPassive0.13%
ALLOCATION--30% TO 50% EQ
VWIAX

VANGUARD WELLESLEY INCOME ADMIRALPassive0.15%
TARGET-DATE 2040
VFORX

VANGUARD TARGET RETIREMENT 2040 INVPassive0.15%
TARGET-DATE RETIREMENT
VTINX

VANGUARD TARGET RETIREMENT INCOME INVPassive0.13%
MID-CAP BLEND
VEMPX

VANGUARD EXTENDED MARKET INDEX INSTLPLUSPassive0.05%
FOREIGN LARGE BLEND
VTPSX

VANGUARD TOTAL INTL STOCK IDX INSTLPLSPassive0.07%
INFLATION-PROTECTED BOND
VTAPX

VANGUARD SHRT-TERM INFL-PROT SEC IDX ADMPassive0.06%
LARGE BLEND
VIIIX

VANGUARD INSTITUTIONAL INDEX INSTL PLPassive0.02%
DIVERSIFIED EMERGING MKTS
VEMIX

VANGUARD EMERGING MKTS STOCK IDX INSTLPassive0.11%
SHORT-TERM BOND
VBIRX

VANGUARD SHORT-TERM BOND INDEX ADMPassive0.07%
TARGET-DATE 2030
VTHRX

VANGUARD TARGET RETIREMENT 2030 INVPassive0.14%
NATURAL RESOURCES
VMIAX

VANGUARD MATERIALS INDEX ADMIRALPassive0.10%
MID-CAP VALUE
VMVAX

VANGUARD MID-CAP VALUE INDEX ADMIRALPassive0.07%
SMALL BLEND
VSMAX

VANGUARD SMALL CAP INDEX ADMPassive0.05%
WORLD BOND
VTABX

VANGUARD TOTAL INTL BD IDX ADMIRALPassive0.11%
INFLATION-PROTECTED BOND
VIPIX

VANGUARD INFLATION-PROTECTED SECS IPassive0.07%
TARGET-DATE 2050
VFIFX

VANGUARD TARGET RETIREMENT 2050 INVPassive0.15%
LARGE VALUE
VVIAX

VANGUARD VALUE INDEX ADMPassive0.05%

401K

Legal & General Russell 2000 Collective Investment Trust Fund Class A Stock Small Blend 0.01%

Legal & General S&P 500®Collective Investment Trust Fund Class A Stock Large Blend 0.01%

Legal & General MSCI EAFE®Collective Investment Trust Fund Class A Stock Foreign Large Blend 0.02%

Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) Bond Intermediate-Term Bond 0.05%
876 Rated

BlackRock Total Return Fund Class K Shares (MPHQX) Bond Intermediate-Term Bond 0.4%
876 Rated

Fidelity® Growth Company Commingled Pool Stock Large Growth 0.43%

Managed Income Portfolio II Class 2 Bond Stable Value 0.47%

Dodge & Cox Stock Fund (DODGX) Stock Large Value 0.52%

American Funds EuroPacific Growth Fund® Class R-5 (RERFX) Stock Foreign Large Growth 0.53%

JPMorgan SmartRetirement®Income Fund Class R5 (JSIIX) Blend Target-Date Retirement 0.55%

JPMorgan SmartRetirement®2020 Fund Class R5 (JTTIX) Blend Target-Date 2020 0.57%


JPMorgan SmartRetirement®2025 Fund Class R5 (JNSIX) Blend Target-Date 2025 0.58%

JPMorgan SmartRetirement®2030 Fund Class R5 (JSMIX) Blend Target-Date 2030 0.59%

JPMorgan SmartRetirement®2035 Fund Class R5 (SRJIX) Blend Target-Date 2035 0.6%

JPMorgan SmartRetirement®2040 Fund Class R5 (SMTIX) Blend Target-Date 2040 0.61%

JPMorgan SmartRetirement®2045 Fund Class R5 (JSAIX) Blend Target-Date 2045 0.61%

JPMorgan SmartRetirement®2050 Fund Class R5 (JTSIX) Blend Target-Date 2050 0.62%

JPMorgan SmartRetirement®2055 Fund Class R5 (JFFIX) Blend Target-Date 2055 0.63%

PIMCO All Asset Fund Institutional Class (PAAIX) Blend Tactical Allocation 1.105%

JPMorgan SmartRetirement®2060 Fund Class R5 (JAKIX) Blend Target-Date 2060+ 1.28%


457B (over 300 funds available so just listed funds with ER < 0.2)


Fidelity® 500 Index Fund (FXAIX) Stock Large Blend 0.015%

Fidelity® Total Market Index Fund (FSKAX) Stock Large Blend 0.015%

Fidelity® Mid Cap Index Fund (FSMDX) Stock Mid-Cap Blend 0.025%

Fidelity® Small Cap Index Fund (FSSNX) Stock Small Blend 0.025%

Fidelity® U.S. Bond Index Fund (FXNAX) Bond Intermediate-Term Bond 0.025%

Fidelity®Intermediate Treasury Bond Index Fund (FUAMX) Bond Intermediate Government 0.03%

Fidelity® Long-Term Treasury Bond Index Fund (FNBGX) Bond Long Government 0.03%

Fidelity® Short-Term Bond Index Fund (FNSOX) Bond Short-Term Bond 0.03%

Fidelity® Short-Term Treasury Bond Index Fund (FUMBX) Bond Short Government 0.03%

Fidelity® Large Cap Growth Index Fund (FSPGX) Stock Large Growth 0.035%

Fidelity® Large Cap Value Index Fund (FLCOX) Stock Large Value 0.035%

Vanguard Small-Cap Index Fund Institutional Shares (VSCIX) Stock Small Blend 0.04%

Fidelity® Extended Market Index Fund (FSMAX) Stock Mid-Cap Blend 0.045%

Fidelity®International Index Fund (FSPSX) Stock Foreign Large Blend 0.045%

Fidelity® Inflation-Protected Bond Index Fund (FIPDX) Bond Inflation-Protected Bond 0.05%

Fidelity® Global ex U.S. Index Fund (FSGGX) Stock Foreign Large Blend 0.06%

Fidelity® Total International Index Fund (FTIHX) Stock Foreign Large Blend 0.06%

Fidelity® Real Estate Index Fund (FSRNX) Stock Real Estate 0.07%

Fidelity® Emerging Markets Index Fund (FPADX) Stock Diversified Emerging Mkts 0.08%

Fidelity®Sustainability Bond Index Fund (FNDSX) Bond Intermediate-Term Bond 0.1%

Fidelity® U.S. Sustainability Index Fund (FITLX) Stock Large Blend 0.11%

Vanguard Federal Money Market Fund Investor Shares (VMFXX) Short Term Money Market-Taxable 0.11%

Fidelity® Four-in-One Index Fund (FFNOX) Blend Allocation--70% to 85% Equity 0.13%

Fidelity®International Sustainability Index Fund (FNIDX) Stock Foreign Large Blend 0.2%


Questions:
1. Any obvious or not so obvious changes to make to help lower costs or simplify my portfolio?
2. What are people’s thoughts on our AA?
3. I would like to start a taxable account with hopes of building more of a next egg and to tax loss harvest. Will probably dedicate ~10K per year for now. Through work I have access to the Fidelity Brokerage link or would just opening a vanguard account be better?

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LadyGeek
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Re: Critique my portfolio please

Post by LadyGeek » Fri Jan 11, 2019 1:54 pm

This thread is now in the Investing - Help with Personal Investments forum (portfolio help).
Wiki To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

User avatar
sunnywindy
Posts: 437
Joined: Sat Jan 18, 2014 4:42 pm
Location: Wilmington, NC

Re: Critique my portfolio please

Post by sunnywindy » Fri Jan 11, 2019 2:05 pm

1. There isn't any reason to have the Healthcare fund, so I would reallocate it to Total Stock Market.
2. Your AA is fine.
3. The more you invest, the more money you will have years from now, so don't let cash sit idle!
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