Hello,
I have been following the boglehead way for some time. I'm 42, and have a Vanguard account setup tax efficient with both a taxable account and Roth IRA. In total has about 340k in value... See below:
Taxable: VTIAX / VTSAX - 222k value
Roth IRA: VBTLX / VTIAX / VTSAX - 116k value
83% stock / 17% bonds
I've also got a 401k at my work, with about 124k invested in a fund called Blackrock LifePath Index (LIRKX). Not sure on the quality of this fund... Just kind of set and forget it really way back.
I've also got 12k in IBM stock that an uncle bought be when I was little at Compushare.
As well as a 529 setup for our child who is 4, with currently 67k in a targeted fund.
I have my emergency fund setup in a HYSA. It has about 75k in it at 4.25 APY. An additial 15k at a local bank with hardly any interest for quick cash in an pinch.
My wife also has assets, I just don't know them to really spell out right now. We are both pretty free of debt other than a one car payment and our mortgage. She probably has a similar value to me or better.
What I was just looking for was feedback on my current layout / situation.
As well as have been pondering setting up something to save for vacations in the future. Right now we grow a little in the HYSA or just save and pay for a trip. Though she has talked to wanting to go to Italy and Europe when our child gets older. It would be for something in the 5 year range or more. Not in the near future.
Some of me wanted to sell the IBM, and use that as a starting point and maybe open a second brokerage account at Fidelity or somewhere and use that money. I wanted to track it's growth seperate from other things. Don't know a good way to do that without lumping it into my current investments.
I have been following the boglehead way for some time. I'm 42, and have a Vanguard account setup tax efficient with both a taxable account and Roth IRA. In total has about 340k in value... See below:
Taxable: VTIAX / VTSAX - 222k value
Roth IRA: VBTLX / VTIAX / VTSAX - 116k value
83% stock / 17% bonds
I've also got a 401k at my work, with about 124k invested in a fund called Blackrock LifePath Index (LIRKX). Not sure on the quality of this fund... Just kind of set and forget it really way back.
I've also got 12k in IBM stock that an uncle bought be when I was little at Compushare.
As well as a 529 setup for our child who is 4, with currently 67k in a targeted fund.
I have my emergency fund setup in a HYSA. It has about 75k in it at 4.25 APY. An additial 15k at a local bank with hardly any interest for quick cash in an pinch.
My wife also has assets, I just don't know them to really spell out right now. We are both pretty free of debt other than a one car payment and our mortgage. She probably has a similar value to me or better.
What I was just looking for was feedback on my current layout / situation.
As well as have been pondering setting up something to save for vacations in the future. Right now we grow a little in the HYSA or just save and pay for a trip. Though she has talked to wanting to go to Italy and Europe when our child gets older. It would be for something in the 5 year range or more. Not in the near future.
Some of me wanted to sell the IBM, and use that as a starting point and maybe open a second brokerage account at Fidelity or somewhere and use that money. I wanted to track it's growth seperate from other things. Don't know a good way to do that without lumping it into my current investments.
Statistics: Posted by mmicha — Wed Mar 27, 2024 9:46 am — Replies 3 — Views 242