Evaluate portfolio

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Topic Author
dawg
Posts: 28
Joined: Mon Jan 19, 2015 1:34 pm

Evaluate portfolio

Post by dawg »

Thinking I should have more bond allocation. Seek advice on how to invest RMD's, and excess monthly cash. Or transfers within IRA,s
Married filing jointly. 12% tax rate. Husband age 81, social security. Wife age 82, pension and social security. No debt. GA resident
Emergency Fund 47K savings account
Total portfolio 396K (not including emergency fund)

Taxable: 140K total 35% of 396 total
CD cash 54K And taxable brokerage account.
Stock- Dividend Growth VDIGX 10 K er .26%
Bonds- a. Short term Investment Grade VFSTX 3K er .20%
b. Inflation Protected Securities VIPSX 10K er .20%
c. I Bonds 63K In TreasuryDirect account (have bought max 2021 in husband name)
Husband IRA 176K total 45% of 396 total
a. Lifestrategy Income VASIX 38K er .11%
b. Lifestrategy Conservative Growth VSCGX 56K er .12% (plan to sell 5K to get RMD)
c. Investco QQQ stock ETF 78K
d. Fed MM Fund VMFXX 4K er .11%
Wife IRA 80K total 20% of 396 total
a. Vanguard Fed MM VMFXX 23K er .11%
b. AIG Valic 57K in Money Market Fund paying 2%


Desired AA: 20% stock 80% Bond
Options? Use matured CD to buy bond fund? Buy Lifestrategy fund?
Transfer wife IRA funds to bond funds?
Last edited by dawg on Wed Jul 21, 2021 9:53 am, edited 1 time in total.
wetgear
Posts: 371
Joined: Thu Apr 06, 2017 10:14 am

Re: Evaluate portfolio

Post by wetgear »

This is a little hard to read, could you edit your original post (using pencil icon) and put it in this format please?: viewtopic.php?f=1&t=6212
Topic Author
dawg
Posts: 28
Joined: Mon Jan 19, 2015 1:34 pm

Re: Evaluate portfolio

Post by dawg »

Hope my edit works. Thanks
wetgear
Posts: 371
Joined: Thu Apr 06, 2017 10:14 am

Re: Evaluate portfolio

Post by wetgear »

dawg wrote: Wed Jul 21, 2021 9:54 am Hope my edit works. Thanks
Edit worked but still not really in the suggested format. The important part is to show the % of total portfolio for each fund, the values don't really matter to us as we will make recommendations in percentages. Lots of people here will want to help if you make it easy on them by sticking to the suggested format as close as possible.

In general though from what I can tell without doing all the math for you here are a few steps to get you closer.

1) All of her IRA -> total bond fund
2) I see that he has bought max I bonds for 2021. Has she also bought her 10k this year? If not that will get you 2.5% closer to desired AA
3) His IRA MM fund -> total bond
4) Taxable CD (has this matured, if not when?) If it has you probably want to put it in another CD, a HYSA, total bond fund, or some combo of all of those.
5) Depending on how far the rest get you I'd probably switch his IRA to 3 funds VTSAX, VXUS, and BND and adjust as needed to dial in AA.

Good luck :beer
Topic Author
dawg
Posts: 28
Joined: Mon Jan 19, 2015 1:34 pm

Re: Evaluate portfolio

Post by dawg »

Thank you for your reply. Thought about wife getting IBonds, but unsure if should buy more for someone ages 81,82.

Will have CD mature in October, maybe rate will be better
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