1. How should I add more bonds funds for retirement?
- Series I bonds? I think the $10k/year limit will be a problem.
- Add to taxable: Vanguard Intermediate-Term Tax-Exempt (VWIUX - 0.09% ER)
- Split evenly in taxable account between: (1) Vanguard California Long-Term Tax-Exempt (VCLAX - 0.09% ER) and (2) Vanguard Intermediate-Term Tax-Exempt (VWIUX - 0.09% ER)
- Add to taxable: Vanguard Intermediate-Term Treasury Fund (VFIUX - 0.10% ER)
- Add to taxable: Vanguard Intermediate-Term Treasury Index Fund (VSIGX - 0.07% ER)
- Add to taxable: Vanguard Limited-Term Tax-Exempt Fund (VMLUX - 0.09% ER)
- Something else?
- Buy more Vanguard Total International (VTIAX - 0.11% ER) in my taxable account?
- Buy Vanguard Developed Markets Index Fund Admiral Shares (VTMGX - 0.07% ER) in my taxable account? (Is this Vanguard's tax-managed international?)
- Something else?
Emergency funds: Have six months of expenses
Debt: None (practically)
Tax Filing Status: Single
Tax Rate: 35% Federal, 11.3% State
State of Residence: CA
Age: 38 (plan to retire around 65)
Annual income: $500k/year
Desired Asset allocation: 58% US, 20% international, 22% bonds
Current Asset allocation: 61% US, 18% international, 21% bonds
Savings Summary
Emergency funds for 6 months
~$500k in Vanguard Treasury MM Fund (VUSXX) - first home down payment (want to buy within 1 year)
Retirement Summary
~$700k in retirement assets (taxable and tax-advantaged)
Taxable at Vanguard - 49%
41% - Vanguard Total US (VTSAX - 0.04% ER)
8% - Vanguard Total International (VTIAX - 0.11% ER)
0% - Vanguard Total Bond Market (VBTLX - 0.05% ER)
Trad 401k at Schwab (current job) - 9%
8% - Schwab U.S. Aggregate Bond (SWAGX - 0.04% ER)
1% - Schwab Total Stock Market (SWTSX - 0.03% ER)
0% - Schwab International (SWISX - 0.06% ER)
Trad 401k at Schwab (old job) - 14%
13% - Schwab U.S. Aggregate Bond (SWAGX - 0.04% ER)
1% - Vanguard Total International (VTIAX - 0.11% ER)
0% - Schwab Total Stock Market (SWTSX - 0.03% ER)
0% - Schwab International (SWISX - 0.06% ER)
Roth 401k at Schwab (old job) - 4%
4% - Schwab Total Stock Market (SWTSX - 0.03% ER)
0% - Schwab U.S. Aggregate Bond (SWAGX - 0.04% ER)
0% - Schwab International (SWISX - 0.06% ER)
Trad 401k at Fidelity (old job) - 9%
9% - Fidelity Total International (FTIHX - 0.06% ER)
0% - Fidelity ZERO Total Market (FZROX - 0.00% ER)
0% - Fidelity US Bond (FXNAX - 0.02% ER)
Roth IRA at ETrade - 13%
13% - Schwab Total Stock Market (SWTSX - 0.03% ER)
0% - Vanguard Total Stock Market Institutional (VSMPX - 0.02% ER)
0% - Schwab U.S. Aggregate Bond (SWAGX - 0.04% ER)
0% - Vanguard Total Bond (VBTLX - 0.05% ER)
0% - Schwab International (SWISX - 0.06% ER)
0% - Vanguard Total International (VTSNX - 0.08% ER)
HSA at Fidelity - 2%
2% - Fidelity ZERO Total Market (FZROX - 0.00% ER)
0% - Fidelity Total International (FTIHX - 0.06% ER)
0% - Fidelity US Bond (FXNAX - 0.02% ER)