Willing to share your Taxable Portfolio?

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Wricha
Posts: 889
Joined: Sun Mar 25, 2012 10:33 am

Re: Willing to share your Taxable Portfolio?

Post by Wricha »

72% SPY
28% individual muni bonds. (Yes, well over hundred different bonds)
GoneOnTilt
Posts: 1841
Joined: Fri Sep 28, 2018 4:59 pm

Re: Willing to share your Taxable Portfolio?

Post by GoneOnTilt »

VASIX
VWITX
VFIAX
VMFXX
User avatar
iceport
Posts: 5375
Joined: Sat Apr 07, 2007 4:29 pm

Re: Willing to share your Taxable Portfolio?

Post by iceport »

iudiehard1 wrote: Sun Nov 29, 2020 9:02 pm Thanks for all the replies. Like most of the threads on BH, always a wide variety of strategies. I suspect I am guilty,like many, of over thinking my portfolio. I enjoy seeing how many have structured their portfolios and the taxable is new to me. I guess I am a Little surprised that tax free munis aren’t in many of the replies and really surprised to see Reits at all. But that’s not being critical, just goes against the research I read on tax favor status.

Thanks a million
Late to the party, but here goes.

Though I don't have an oversized portfolio, I've currently got a whopping 48% of the portfolio in a taxable account. That's partly justified because I had a government job with only a 457(b) account available at work, and partly unjustified because I was slow to pick up on the tax advantage of a tax-deferred account. (And it's partly explained by the fact that it holds only high risk/high return equities — for tax efficiency.)


[Until, oh I don't remember exactly, somewhere in the late 1990s and early 2000s, 457(b) accounts didn't even resemble 401(k)s: far smaller contribution limits, no rollover options upon retirement, no emergency access, horrendous investment options, all wrapped in an annuity blanket with high fees, etc. Changes to the rules occurred slowly over many years and several reform iterations.]

Anyway, the taxable account looks like this (after I did the arithmetic — these percentages mean nothing to me, and provide no real clue as to how the portfolio as a whole is structured):

67% VTSAX — Vanguard Total Stock Market Index ► Almost 80% of that is long term capital gains...
20% VTMGX — Vanguard Developed Markets Index
12% VEMAX — Vanguard Emerging Markets Stock Index
1% VMRXX — Vanguard Cash Reserves Federal Money Market Fund
Last edited by iceport on Thu Jun 10, 2021 7:39 pm, edited 1 time in total.
"Discipline matters more than allocation.” |—| "In finance, if you’re certain of anything, you’re out of your mind." ─William Bernstein
BabaWawa
Posts: 328
Joined: Sun Sep 06, 2020 2:47 pm

Re: Willing to share your Taxable Portfolio?

Post by BabaWawa »

VTI 60%
IJS 16%
VEA 16%
VWO 8%

All long term buy and holds. LT unrealized Cap Gains are such that this taxable portfolio will be with me to the end.
schwank
Posts: 57
Joined: Sat Jul 18, 2015 1:14 pm

Re: Willing to share your Taxable Portfolio?

Post by schwank »

Simplicity. :beer

100% ITOT.
AJC408
Posts: 71
Joined: Mon Nov 16, 2015 12:24 am

Re: Willing to share your Taxable Portfolio?

Post by AJC408 »

VTSAX and VTIAX
digit8
Posts: 669
Joined: Mon Jul 14, 2008 5:26 pm

Re: Willing to share your Taxable Portfolio?

Post by digit8 »

100% VFIAX. I've pruned a few others over the years and settled for, this is my backup emergency fund/temperature check for early retirement.
"You can't latte yourself to bankruptcy. The bladder won't allow it." | -Katherine Porter
lostdog
Posts: 4616
Joined: Thu Feb 04, 2016 2:15 pm

Re: Willing to share your Taxable Portfolio?

Post by lostdog »

58% VTI
42% VXUS
Global Stocks (VTI+VXUS) | U.S. Bond Fund (BND).
Catrin
Posts: 5
Joined: Mon Mar 09, 2020 11:43 pm

Re: Willing to share your Taxable Portfolio?

Post by Catrin »

80% VTI
20% VXUS
User avatar
Pizza_and_Beer
Posts: 48
Joined: Wed Aug 29, 2018 3:23 pm
Location: Brooklyn, NY

Re: Willing to share your Taxable Portfolio?

Post by Pizza_and_Beer »

VBR (Vanguard Small-Cap Value Index Fund ETF): 5%
VNQ (Vanguard Real Estate Index Fund ETF): 4%
VTI (Vanguard Total Stock Market Index Fund ETF): 32%
VTIVX (Vanguard Target Retirement 2045 Fund Investor Shares): 18%
VXUS (Vanguard Total International Stock Index Fund ETF): 32%
Company Stock: 10%
Series I Savings Bonds: 11%


If I had to do it all over again, I would just invest in VTI, VXUS, and Series I Savings Bonds. I'm putting all future contributions and dividends in my taxable into VTI, VXUS, and Series I Savings Bonds.

Target asset allocation is 90% stocks/10% bonds, with equity portion being 60% US and 40% International.
AlwaysaQ
Posts: 621
Joined: Fri Apr 13, 2007 7:37 am

Re: Willing to share your Taxable Portfolio?

Post by AlwaysaQ »

Age 79. Taxable portfolio is 60% of total portfolio.

of taxable portfolio
35% checking, savings, CDs, EE and I bonds
65% VTSAX, VFIAX, FSKAX and 4 individual stocks

I have plans to update the house and grounds which is why so much in fixed income.
Stock2Gro
Posts: 1
Joined: Fri Jun 11, 2021 4:24 pm

Re: Willing to share your Taxable Portfolio?

Post by Stock2Gro »

100% VTI
renega
Posts: 11
Joined: Thu Jan 23, 2020 11:09 am

Re: Willing to share your Taxable Portfolio?

Post by renega »

20% - VEU (Vanguard FTSE All World Except US)
4% - VBK (Vanguard Small Growth)
48% - VTI (Vanguard Total Stock Market)
28% - VTCLX (Vanguard Tax Managed Capital Appreciation)
Flynow7
Posts: 64
Joined: Thu Mar 25, 2021 11:06 am

Re: Willing to share your Taxable Portfolio?

Post by Flynow7 »

Marseille07 wrote: Sun Nov 29, 2020 1:05 am My modified version of Buffett 90/10.

45% VOO
45% QQQ
10% TLT

What do you mean Buffet 90/10 ?
Marseille07
Posts: 6450
Joined: Fri Nov 06, 2020 1:41 pm

Re: Willing to share your Taxable Portfolio?

Post by Marseille07 »

Flynow7 wrote: Tue Nov 23, 2021 12:15 pm What do you mean Buffet 90/10 ?
Haha, you're digging up old stuff. This was some experiment I was doing last year.
mikejuss
Posts: 1437
Joined: Tue Jun 23, 2020 1:36 pm

Re: Willing to share your Taxable Portfolio?

Post by mikejuss »

50% VTSAX
25% VTIAX
25% VBTLX
Stubbie
Posts: 119
Joined: Fri May 29, 2020 6:09 am

Re: Willing to share your Taxable Portfolio?

Post by Stubbie »

VTI 73%
VXUS 27%
Rxwolf
Posts: 34
Joined: Wed Jan 30, 2019 1:50 am

Re: Willing to share your Taxable Portfolio?

Post by Rxwolf »

94% high yield money market acct 0.5%
4% AAPL
2% RBLX

going to have large purchase soon


Kids have
60% VTSAX
40% AAPL
mikejuss
Posts: 1437
Joined: Tue Jun 23, 2020 1:36 pm

Re: Willing to share your Taxable Portfolio?

Post by mikejuss »

Rxwolf wrote: Tue Nov 23, 2021 1:41 pm 94% high yield money market acct 0.5%
4% AAPL
2% RBLX
That's what I call conservative!
Flynow7
Posts: 64
Joined: Thu Mar 25, 2021 11:06 am

Re: Willing to share your Taxable Portfolio?

Post by Flynow7 »

Flynow7 wrote: Tue Nov 23, 2021 12:15 pm
Marseille07 wrote: Sun Nov 29, 2020 1:05 am My modified version of Buffett 90/10.

45% VOO
45% QQQ
10% TLT

What do you mean Buffet 90/10 ?
So do you still do the

45% VOO
45% QQQ
10% TLT

?
40 Years' Gatherin's
Posts: 203
Joined: Sun Jul 26, 2020 7:39 am

Re: Willing to share your Taxable Portfolio?

Post by 40 Years' Gatherin's »

85% VTSAX
15% VUSXX
chitownguy
Posts: 22
Joined: Thu Jul 25, 2019 7:03 pm

Re: Willing to share your Taxable Portfolio?

Post by chitownguy »

Individual stocks (AAPL, TSLA, SNAP) 38%
IJT (Small Cap Growth) 25%
FIPDX (TIPS) 12%
FZROX Stock Index) 10%
FHIGX (Municipal Bond) 8%
VGSLX (REIT) 7%
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Alto Astral
Posts: 874
Joined: Thu Oct 08, 2009 10:47 am

Re: Willing to share your Taxable Portfolio?

Post by Alto Astral »

100% Vanguard Total Stock Market Index Fund
I bonds
Rajsx
Posts: 664
Joined: Wed Mar 21, 2007 10:07 pm
Location: Florida

Re: Willing to share your Taxable Portfolio?

Post by Rajsx »

Interesting to see lots of ETFs in the Portfolios,

Our invested Savings in the Taxable Accounts ---

Total Stock Market Index -.......... VTI ....... 52.57 %
International Stock Market Index - VTIAX ---- 23.74 %
Tax Exempt Intermediate Bond - VWIUX ........ 16.67 %
Bank Cash + I Bonds ...... .............. 2.52 %
Short Term Bond Index .......... VBIRX -------- 2.21 %
Total Stock Market Index Fund .VTSAX ........... 1.54 %
Fidelity Total Market Index ...FSKAX ...... 0.08 %

Tax Deferred Accounts are all Bonds
Last edited by Rajsx on Tue Nov 23, 2021 9:33 pm, edited 1 time in total.
We do not stop laughing because we grow old, we grow old because we stop laughing !!
livesoft
Posts: 78217
Joined: Thu Mar 01, 2007 8:00 pm

Re: Willing to share your Taxable Portfolio?

Post by livesoft »

livesoft wrote: Sat Nov 28, 2020 4:47 pm Our taxable portfolio has been acquired over decades and holds shares (in no particular order, rank, percentage, or value):

VLCAX, VV (Vanguard Large-cap growth index)
VTI Vanguard Total US Stock Market Index
VBR Vanguard Small-cap value index
VEA Vanguard Developed Markets Index
VEU Vanguard FTSE all-world ex-US large cap index

Sometimes there is also some IJS and MTUM in there, but not right now.

There has been some tax-loss harvesting along the way and changes when new products came to the market. If I had cash to invest today and was starting from nothing, then the holdings would not look exactly like our actual holdings, but might be similar. There is no reason to sell shares to tidy up or make the portfolio look pretty because of the tax cost to do so.
I'll post a bland update of what has happened since my first post in this thread (quoted above).

I've made a couple of transactions: (a) I bought some VTI shares in December 2020 with some dividends and (b) I sold some VTI shares in May to pay for a new car. That's it.
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Ed 2
Posts: 2022
Joined: Sat May 15, 2010 9:34 am

Re: Willing to share your Taxable Portfolio?

Post by Ed 2 »

Vanguard:
1. Vanguard Total Stock Market Index Fund
2. Vanguard Total International Index Fund
3. Vanguard California municipal bond funds (Long, Intermediate and short)
4. Vanguard California tax exempt money market .

Fidelity:
ITOT (ISharesTotal US stock market index ETF)
IXUS (IShares Total International index ETF)

Some of IBonds.

That is all, pure and simple taxable holdings, no individual stocks , period. More than enough.
"The fund industry doesn't have a lot of heroes, but he (Bogle) is one of them," Russ Kinnel
Bear906
Posts: 68
Joined: Fri Mar 12, 2021 1:07 am

Re: Willing to share your Taxable Portfolio?

Post by Bear906 »

Very well, if you must know...

60% Cash (Chequing, savings, and SWVXX Schwab Money Market)
9.6% SCHG Schwab US Large Cap Growth ETF (0.04%)
2.4% EFG iShares MSCI EAFE Growth ETF (0.39%)
8.4% SCHZ Schwab Aggregate Bond ETF (0.04%)
8.4% IAGG iShares International Bond Aggregate ETF (0.08%)
5.6% SCHP Schwab US TIPS ETF (0.05%)
5.6% ANGL Van Eck Fallen Angel High Yield Bond ETF (0.5%)

The positions outside of cash represent a prototype 30/70 portfolio that I may end up using as my general investment strategy come retirement, perhaps 11 years from now. We'll see how it goes. Hopefully, lower ER alternatives to EFG and ANGL will eventually come to market.
Eschew obfuscation.
DiploInvestor
Posts: 164
Joined: Sat May 12, 2018 9:26 am

Re: Willing to share your Taxable Portfolio?

Post by DiploInvestor »

Taxable:

80% VLCAX (Large Cap Index Admiral)
20% VWLUX (long-term tax exempt Admiral)

Keeping it simple in this part of the portfolio. Percentages are base allocations and can vary plus-or-minus 10% due to rebalancing in value averaging plan. All additions made to bond side and rebalanced quarterly.
"History doesn’t repeat itself, but it often rhymes." -- Mark Twain // "If you have a garden and a library, you have everything you need." — Cicero
xraygoggles
Posts: 189
Joined: Sat Sep 15, 2018 3:30 pm
Location: SoCal

Re: Willing to share your Taxable Portfolio?

Post by xraygoggles »

45% VTI
15% VWALX (Vanguard High-Yield Tax-Exempt Fund)
40% Cash

Cash will be DCAed at 80/20 ratio in the other two
Marseille07
Posts: 6450
Joined: Fri Nov 06, 2020 1:41 pm

Re: Willing to share your Taxable Portfolio?

Post by Marseille07 »

Flynow7 wrote: Tue Nov 23, 2021 3:54 pm So do you still do the

45% VOO
45% QQQ
10% TLT

?
I don't, I'm just moving toward 90% (S&P500 or US TSM) 10% (cash or short-term government bonds).
xraygoggles
Posts: 189
Joined: Sat Sep 15, 2018 3:30 pm
Location: SoCal

Re: Willing to share your Taxable Portfolio?

Post by xraygoggles »

Wricha wrote: Thu Jun 10, 2021 6:06 pm 72% SPY
28% individual muni bonds. (Yes, well over hundred different bonds)
Why not muni bond fund?
BruinBones
Posts: 221
Joined: Sun Apr 22, 2018 5:39 pm

Re: Willing to share your Taxable Portfolio?

Post by BruinBones »

75% Vanguard S&P 500 Index ETF (VOO)
14% Vanguard Total Stock Market Index ETF (VTI)
6% Vanguard Tax Exempt Bond fund ETF (VTEB)
3% Alphabet Inc Class A (GOOGL)
2% Doximity (DOCS)

Taxable makes up 47% of total investment portfolio
(AA = 50% US, 10% Int, 40% Fixed)
Newby61
Posts: 14
Joined: Sun Dec 17, 2017 10:31 am

Re: Willing to share your Taxable Portfolio?

Post by Newby61 »

Vanguard Federal MM Fund (VMFXX) - 49%
T. Rowe Price Floating Rate Investor (PRFRX) - 13%
Vanguard Core-Plus Bond Fund (VCPIX) - 6%
Vanguard Life Strategy Income Fund (VASIX) - 32%
count damoney
Posts: 96
Joined: Wed Dec 02, 2020 1:13 pm

Re: Willing to share your Taxable Portfolio?

Post by count damoney »

schwank wrote: Fri Jun 11, 2021 2:30 pm Simplicity. :beer

100% ITOT.
Ditto
surfstar
Posts: 2843
Joined: Fri Sep 13, 2013 12:17 pm
Location: Santa Barbara, CA

Re: Willing to share your Taxable Portfolio?

Post by surfstar »

100% VTCLX

if we ever get to TLH, we'll use VLCAX
prevents any issues with wash sales and our retirement accounts

VTCLX = Vanguard Tax-Managed Capital Appreciation Fund
VLCAX = Vanguard Large Cap Index Fund
dukeblue219
Posts: 2226
Joined: Fri Jan 29, 2016 12:40 pm

Re: Willing to share your Taxable Portfolio?

Post by dukeblue219 »

Currently about:
10% BRKB
11% QQQ
9% XLU (planning to move this to NTSX someday)
58% VOO
12% VTEB
Vanguard User
Posts: 549
Joined: Wed May 26, 2021 5:46 pm
Location: Sugar Land, Texas

Re: Willing to share your Taxable Portfolio?

Post by Vanguard User »

💯 VTSAX at Vanguard.
sjl333
Posts: 275
Joined: Sun Apr 20, 2014 2:59 pm

Re: Willing to share your Taxable Portfolio?

Post by sjl333 »

Roughly 500k all in on Tesla stock.
User avatar
Wricha
Posts: 889
Joined: Sun Mar 25, 2012 10:33 am

Re: Willing to share your Taxable Portfolio?

Post by Wricha »

xraygoggles wrote: Wed Nov 24, 2021 12:22 pm
Wricha wrote: Thu Jun 10, 2021 6:06 pm 72% SPY
28% individual muni bonds. (Yes, well over hundred different bonds)
Why not muni bond fund?
Yes I would of probably been better off with a bond fund.
I started buying them 35 years ago, honestly I did not know any better. They are mostly AA paying 4.5-5% with 4 or 5 being called every year.
skeptical1
Posts: 89
Joined: Mon Dec 19, 2011 11:16 pm
Location: Sacramento

Re: Willing to share your Taxable Portfolio?

Post by skeptical1 »

61% - VTSAX
16% - VTIAX
21% - VFIUX
2% - I-Bonds

Also, our Roths are 100% SWTSX
Last edited by skeptical1 on Wed Nov 24, 2021 8:34 pm, edited 1 time in total.
Marseille07
Posts: 6450
Joined: Fri Nov 06, 2020 1:41 pm

Re: Willing to share your Taxable Portfolio?

Post by Marseille07 »

sjl333 wrote: Wed Nov 24, 2021 5:49 pm Roughly 500k all in on Tesla stock.
You are really something else. I know Jason DeBolt's portfolio is something similar.
sschoe2
Posts: 713
Joined: Fri Feb 24, 2017 4:42 pm

Re: Willing to share your Taxable Portfolio?

Post by sschoe2 »

60% vtsax total stock market index
20% vtiax total international stock market index
20% vtmsx tax managed small cap index
sjl333
Posts: 275
Joined: Sun Apr 20, 2014 2:59 pm

Re: Willing to share your Taxable Portfolio?

Post by sjl333 »

Marseille07 wrote: Wed Nov 24, 2021 8:28 pm
sjl333 wrote: Wed Nov 24, 2021 5:49 pm Roughly 500k all in on Tesla stock.
You are really something else. I know Jason DeBolt's portfolio is something similar.
Jason debolt is holding 20 million in Tesla stock I’m no where near his level he is on a different stratosphere
GoldenGoose
Posts: 341
Joined: Tue Jan 30, 2018 2:08 pm

Re: Willing to share your Taxable Portfolio?

Post by GoldenGoose »

manatee2005 wrote: Sun Nov 29, 2020 4:04 am AMZN
DIS
GOOG
MSFT
NET
NVDA
ROKU
SHOP
TSLA
V
ZM
Wow. Must have made a killing. Wow.
iim7V7IM7
Posts: 33
Joined: Sun Nov 21, 2021 1:26 pm

Re: Willing to share your Taxable Portfolio?

Post by iim7V7IM7 »

Aside from liquid savings in a money market account, the only taxable retirement savings are invested in two vehicles:

Part of my long term compensation is given in RSUs of company stock (I work for a large Dow 30 company) that vest 1/3rd at a time over a 3 year vesting period. The year that a portion vests, I pay tax as income by liquidating the shares and the remainder gets invested into…

The Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX). While not fully diversified, it is simple, tax efficient, low cost and requires no rebalancing. Our time horizon the retirement is relatively short and its asset allocation is in alignment with our goals. I place a portion of my annual cash bonus in this and I also regularly contribute to this fund with after tax dollars beyond my 401k max.
Flynow7
Posts: 64
Joined: Thu Mar 25, 2021 11:06 am

Re: Willing to share your Taxable Portfolio?

Post by Flynow7 »

How about

VTI 60% VOO 20% VGT 20%
For a taxable account is this reasonable ? I like having the technology tilt.
leo383
Posts: 522
Joined: Thu Nov 29, 2007 9:36 pm
Location: Durham, NC

Re: Willing to share your Taxable Portfolio?

Post by leo383 »

20% vanguard short term Treasury ETF
40% ishares total us
20% ishares small value
20% ishares ex us etf
manatee2005
Posts: 1964
Joined: Wed Dec 18, 2019 9:17 pm

Re: Willing to share your Taxable Portfolio?

Post by manatee2005 »

GoldenGoose wrote: Thu Nov 25, 2021 12:31 am
manatee2005 wrote: Sun Nov 29, 2020 4:04 am AMZN
DIS
GOOG
MSFT
NET
NVDA
ROKU
SHOP
TSLA
V
ZM
Wow. Must have made a killing. Wow.
It’s been pretty good. Who would have expected MSFT and Google which already had high valuation to go up 60% since then.
stan1
Posts: 10872
Joined: Mon Oct 08, 2007 4:35 pm

Re: Willing to share your Taxable Portfolio?

Post by stan1 »

manatee2005 wrote: Thu Nov 25, 2021 10:48 am
GoldenGoose wrote: Thu Nov 25, 2021 12:31 am
manatee2005 wrote: Sun Nov 29, 2020 4:04 am AMZN
DIS
GOOG
MSFT
NET
NVDA
ROKU
SHOP
TSLA
V
ZM
Wow. Must have made a killing. Wow.
It’s been pretty good. Who would have expected MSFT and Google which already had high valuation to go up 60% since then.
Do you have an exit/rebalancing plan, or are you viewing this as a forever buy and hold portfolio for the rest of your life until your heirs get stepped up cost basis?
sbrooks32
Posts: 18
Joined: Tue Oct 09, 2018 12:17 am

Re: Willing to share your Taxable Portfolio?

Post by sbrooks32 »

40% VTI - Vanguard Total US
25% VXUS - Vanguard Total Int
15% FNDB - Schwab Fundamental US Broad Market
10% FNDF - Schwab Fundamental Foreign Large Cap
5% FNDC - Schwab Fundamental Foreign Small Cap
5% FNDE - Schwab Fundamental Emerging Markets
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