Portfolio asset allocation

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Topic Author
Shacked
Posts: 2
Joined: Mon Feb 11, 2019 11:07 am

Portfolio asset allocation

Post by Shacked » Mon Feb 11, 2019 1:57 pm

Hello, I am new to this forum. I am 54 years old and married with 2 kids, one a college grad and the other will graduate next year I hope to retire at 67. I max out my 401K and my wife maxes out her Roth every year.
I have a 401K with $310,000, a supplemental employer plan with $28,000, a Roth with $49,000, a rollover IRA with $226,000. And my wife has a Roth with $119,000.
All my investments are through Vanguard, primarily index funds, with low administrative fees and the majority are in the following funds:
Total Stock Market Index
Total International Index
Total Bond Index
Real Estate Index
I not sure how much I should be doing in each and would really appreciate some advice. And any recommendations on how these allocations should change as I get closer to retirement.
This may be for another topic but any thoughts on The Pinwheel Portfolio?
Thank you, I tried to keep this as simple as possible. Looking forward to you recommendations.

ExitStageLeft
Posts: 1583
Joined: Sat Jan 20, 2018 4:02 pm

Re: Portfolio asset allocation

Post by ExitStageLeft » Mon Feb 11, 2019 4:20 pm

Welcome to the forum!
Shacked wrote:
Mon Feb 11, 2019 1:57 pm
...
Thank you, I tried to keep this as simple as possible. Looking forward to you recommendations.
We're big fans of simplicity in portfolios, but when it comes to getting a thorough portfolio review it would help immensely if you can edit your post to add the information outlined in this thread: viewtopic.php?f=1&t=6212

To sum up, you've got $723k $732k in retirement assets and plan on working up to your full retirement age. You are concerned about how your assets should be allocated, which comes down to your need, willingness, and ability to take risks with your assets. To help us help you, please also include any potential pension amount, your estimated SS benefit, and your estimate of annual expenses in retirement.

Topic Author
Shacked
Posts: 2
Joined: Mon Feb 11, 2019 11:07 am

Re: Portfolio asset allocation

Post by Shacked » Sat Feb 23, 2019 2:47 pm

I tried to make corrections and it didn't work so trying it here, hope this is OK.
Hello, I am new to this forum. I am 54 years old and married with 2 kids, one a college grad and the other will graduate next year I hope to retire at 67.
I live in CA
I file married filing jointly, Fed tax rate 22%, State 8%
I have no debt except our home. $270,000 at 3.65% for 20 more years.
Projected social security benefit $2,700
In todays dollars I suspect I will need around $75,000 in annual income in retirement but this is a guess. I used 70% of current annual net income.
There was a question regarding risk tolerance. I did not panic and sell during the last market correction. I am aware of the risks with stocks, but want to be well diversified to minimize the downside.

I would really appreciate some advice on asset allocation, and how this should change as I get closer to retirement.

I have the following investments:
401K with $310,000 invested as follows, I add $24,000 to this annually:
KP Retirement Path 2030, KPRDX, .42 exp ratio, 6% of this portfolio
Vanguard Institutional Total Bond Index, 7502 (no symbol), .021%, 15%
Vanguard Institutional Total Stock Market Index, 7503 (no symbol), .0135%, 46%
Vanguard International Growth Index, VWILX, .32%, 33%

I have the following funds available for my 401K:
KP Stable Income, 4855 (no symbol), .34% exp ratio
Alger Capital Appreciation, ACAZX, .88%
Vanguard Wellington, VWENX, .17%
KP Small Cap Equity, KPSCX, .53%
Vanguard FTSE Social Index, VFTNX, .12%
Vanguard Prime Cap, VPMAX, .31%
Vanguard Value Index, VIVIX, .04%
T Rowe Price International Discovery, TIDDX, 1.07%

A supplemental employer plan with $16,600:
Vanguard Institutional Bond Index, 7502 (no symbol), .021%, 20%
Vanguard Total Stock Index, 7503, .0135%, 52%
Vanguard International stock Index, VWILX, .32%, 29%

Another Supplemental employee plan with $13,000:
KP Retirement Path 2030, KPRDX, .42 exp ratio, 100% of this portfolio

The 2 supplemental portfolios have the following additional options:
KP Interest Income Fund, 4854, .29%
Vanguard Wellington, VWENX, .17%
KP Small Cap Equity, KPSCX, .53%
Vanguard FTSE Social Index, VFTNX, .12%
Vanguard Prime Cap, VPMAX, .31%
Vanguard Value Index, VIVIX, .04%
T Rowe Price International Discovery, TIDDX, 1.07%

Roth with $49,000 at Vanguard
Vanguard Total International index, VTIAX, .11%, 15%
Vanguard Total Stock Index, VTSAX, .04%, 48%
Vanguard Federal Money Market, VMFXX, .15%, 37%

IRA with $226,000 at Vanguard
Vanguard Total Bond Index, VBTLX, .05%, 11%
Vanguard Real Estate Index, VGSLX, .12%, 8%
Vanguard Total International Stock Index, VTIAX, .11%, 29%
Vanguard Total Stock Index, VTSAX, .04%, 52%

And my wife has a Roth with $119,000 at Vanguard and she adds $6,000 to this annually
Vanguard Total Bond Index, VBTLX, .05%, 8%
Vanguard Real Estate Index, VGSLX, .12%, 11%
Vanguard Total International Stock Index, VTIAX, .11%, 23%
Vanguard Total Stock Index, VTSAX, .04%, 48%
Vanguard Money Market, VMMXX, .16%, 10%
Thank you for your advice!!
This may be for another topic but any thoughts on The Pinwheel Portfolio?
Thank you, I tried to keep this as simple as possible. Looking forward to you recommendations.

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