Hello I would like some help consolidating my accounts please. I just moved out of Schwab Intelligent Portfolio (taxable account), I will have to sell and eat a large (long term) capital gain and I would like to reconsider my investments.
Emergency funds: 8 months
Debt: No debt
Tax Filing Status: Single
Tax Rate: 16% Federal, 1.48% State
State of Residence: NJ
Age: 46 (Stable Income for next 14 years would like to grow this portfolio by the time I turn 60)
No earned income (no new roth / 401k contributions other than what is already there)
I could probably contribute about 5k/year to the taxable account
Desired Asset allocation: 80% stocks / 20% bonds
Desired International allocation: 40% of stocks
Please provide an approximate size of your total portfolio: $1.1M
Current retirement assets
Taxable Brokerage Account $603k
30.04% US LARGE CAP
------------------------------------------------------------------------------------
14.83% Invesco FTSE RAFI US 1000 ETF (PRF) (0.39)
10.98% Schwab US Large-Cap ETF (SCHX) (0.03)
1.28% Vanguard S&P 500 ETF (VOO) (0.03)
1.25% Schwab US Broad Market ETF (SCHB) (0.03)
1.70% iShares Core US REIT ETF (USRT) (0.08)
15.46% US SMALL CAP
-------------------------------------------------------------------------------------
9.77% Invesco FTSE RAFI US 1500 Small-Mid ETF (PRFZ) (0.40)
5.69% Schwab US Small-Cap ETF (SCHA) (0.04)
42.4% INTERNATIONAL
--------------------------------------------------------------------------------------
8.55% Schwab Fundamental International Eq ETF (FNDF) (0.25)
8.45% Invesco FTSE RAFI Emerging Markets ETF (PXH) (0.49)
7.86% Schwab International Equity ETF (SCHF) (0.06)
5.84% Schwab Emerging Markets Equity ETF (SCHE) (0.11)
5.51% Invesco FTSE RAFI Dev Mkts ex-US S/M ETF (PDN) (0.49)
3.52% Vanguard FTSE All-Wld ex-US SmCp ETF (VSS) (0.05)
1.75% Xtrackers International Real Estate ETF (HAUZ) (0.35)
0.92% Schwab Fundamental Emerging MarketsEqETF (FNDE) (0.39)
4.04% FIXED INCOME
--------------------------------------------------------------------------------------
2.46% Schwab 5-10 Year Corp Bd ETF (SCHI) (0.03)
1.58% Vanguard Mortgage-Backed Secs ETF (VMBS) (0.05)
0.73% MISCELLANEOUS (old Robinhood account)
--------------------------------------------------------------------------------------
0.44% Taiwan Semiconductor Manufacturing (TSM)
0.08% AT&T Inc (T)
0.07% Nokia Corp ADR (NOK)
0.06% Keurig Dr Pepper Inc (KDP)
0.05% STMicroelectronics NV ADR (STM)
0.01% Banco Santander Brasil SA ADR (BSBR)
0.01% BRF SA ADR (BRFS)
0.01% Warner Bros Discovery Inc (WBD)
-------------------------------------------------------------------------------------------
7.33% CASH
Tax Deferred Portfolio
401K Retirement Account Current Allocations $511k
------------------------------------------------------------------------------------------
18% AMETEK Common Stock Fund (AME)
26.44% Vanguard Institutional Index Fund Plus (VIIIX) (0.02)
25.67% Vanguard PRIMECAP Fund Admiral Shares (VPMAX) (0.31)
14.93% Vanguard Developed Markets Index Fund (VTMNX) (0.06)
14.96% Vanguard Small-Cap Index Fund (VSCIX) (0.04)
AVAILABLE 401K FUNDS
BONDS
Northern Trust Tips Fund (???) (0.05)
Vanguard Total Bond Market Index (VTBLX) (0.05)
BALANCED
Vanguard Wellington Admiral Fund (VWENX) (0.18)
LARGE CAP VALUE/BLEND
Vanguard Windsor II Admiral Fund (VWNAX) (0.26)
Vanguard Institutional Index Fund Plus (VIIIX) (0.02)
Large CAP GROWTH
Vanguard PRIMECAP Admiral Fund (VPMAX) (0.31)
SMALL/MID/SPECIALTY
Jennison Small Cap (PQJCX) (0.95)
Vanguard Small Cap Index Fund (VSCIX) (0.04)
State Street Real Asset Fund (???) (0.38)
GLOBAL/INTERNATIONAL
Vanguard Developed Markets Index Instl (VTMNX) (0.06)
American Funds EuroPacific Growth R6 (RERGX) (0.47)
Vanguard Emerging Markets Stock Index Instl (VEMIX) (0.10)
------------------------------------------------------------------------------------------
Roth IRA $39k
------------------------------------------------------------------------------------------
71.29%SCHWAB TOTAL STOCK MARKET INDEX (SWTSX) (0.03)
14.59% SCHWAB INTERNATIONAL INDEX (SWISX) (0.06)
14.12% SCHWAB US AGGREGATE BOND INDEX (SWAGX) (0.04)
_______________________________________________________________
Questions:
1. For the Taxable Account I was thinking about doing a modified Ben Felix portfolio
https://www.optimizedportfolio.com/ben- ... portfolio/
20.00% U.S. 3-Month Treasury Bill Rate CASH / MONEYMARKET etc
48.00% Vanguard S&P 500 ETF (VOO) (0.03)
13.00% Vanguard FTSE Developed Markets ETF (VEA) (0.05)
7.00% Vanguard FTSE Emerging Markets ETF (VWO) (0.05)
8.00% Avantis US Small Cap Value ETF (AVUV) (0.25)
4.00% Avantis International Small Cap Val ETF (AVDV) (0.36)
2. For the 401K I was thinking about doing something similar to the taxable account to keep things simple (with mutual funds)
20.00% (VTBLX or that Northern Trust Tips Fund)
20.00% Vanguard Developed Markets Index Instl (VTMNX)(0.06)
48.00% Vanguard Institutional Index Instl Pl (VIIIX) (0.02)
12.00% Vanguard Small Cap Index I (VSCIX) (0.04)
3. Roth will more or less stay as is
What do you think ?
Thank you
Emergency funds: 8 months
Debt: No debt
Tax Filing Status: Single
Tax Rate: 16% Federal, 1.48% State
State of Residence: NJ
Age: 46 (Stable Income for next 14 years would like to grow this portfolio by the time I turn 60)
No earned income (no new roth / 401k contributions other than what is already there)
I could probably contribute about 5k/year to the taxable account
Desired Asset allocation: 80% stocks / 20% bonds
Desired International allocation: 40% of stocks
Please provide an approximate size of your total portfolio: $1.1M
Current retirement assets
Taxable Brokerage Account $603k
30.04% US LARGE CAP
------------------------------------------------------------------------------------
14.83% Invesco FTSE RAFI US 1000 ETF (PRF) (0.39)
10.98% Schwab US Large-Cap ETF (SCHX) (0.03)
1.28% Vanguard S&P 500 ETF (VOO) (0.03)
1.25% Schwab US Broad Market ETF (SCHB) (0.03)
1.70% iShares Core US REIT ETF (USRT) (0.08)
15.46% US SMALL CAP
-------------------------------------------------------------------------------------
9.77% Invesco FTSE RAFI US 1500 Small-Mid ETF (PRFZ) (0.40)
5.69% Schwab US Small-Cap ETF (SCHA) (0.04)
42.4% INTERNATIONAL
--------------------------------------------------------------------------------------
8.55% Schwab Fundamental International Eq ETF (FNDF) (0.25)
8.45% Invesco FTSE RAFI Emerging Markets ETF (PXH) (0.49)
7.86% Schwab International Equity ETF (SCHF) (0.06)
5.84% Schwab Emerging Markets Equity ETF (SCHE) (0.11)
5.51% Invesco FTSE RAFI Dev Mkts ex-US S/M ETF (PDN) (0.49)
3.52% Vanguard FTSE All-Wld ex-US SmCp ETF (VSS) (0.05)
1.75% Xtrackers International Real Estate ETF (HAUZ) (0.35)
0.92% Schwab Fundamental Emerging MarketsEqETF (FNDE) (0.39)
4.04% FIXED INCOME
--------------------------------------------------------------------------------------
2.46% Schwab 5-10 Year Corp Bd ETF (SCHI) (0.03)
1.58% Vanguard Mortgage-Backed Secs ETF (VMBS) (0.05)
0.73% MISCELLANEOUS (old Robinhood account)
--------------------------------------------------------------------------------------
0.44% Taiwan Semiconductor Manufacturing (TSM)
0.08% AT&T Inc (T)
0.07% Nokia Corp ADR (NOK)
0.06% Keurig Dr Pepper Inc (KDP)
0.05% STMicroelectronics NV ADR (STM)
0.01% Banco Santander Brasil SA ADR (BSBR)
0.01% BRF SA ADR (BRFS)
0.01% Warner Bros Discovery Inc (WBD)
-------------------------------------------------------------------------------------------
7.33% CASH
Tax Deferred Portfolio
401K Retirement Account Current Allocations $511k
------------------------------------------------------------------------------------------
18% AMETEK Common Stock Fund (AME)
26.44% Vanguard Institutional Index Fund Plus (VIIIX) (0.02)
25.67% Vanguard PRIMECAP Fund Admiral Shares (VPMAX) (0.31)
14.93% Vanguard Developed Markets Index Fund (VTMNX) (0.06)
14.96% Vanguard Small-Cap Index Fund (VSCIX) (0.04)
AVAILABLE 401K FUNDS
BONDS
Northern Trust Tips Fund (???) (0.05)
Vanguard Total Bond Market Index (VTBLX) (0.05)
BALANCED
Vanguard Wellington Admiral Fund (VWENX) (0.18)
LARGE CAP VALUE/BLEND
Vanguard Windsor II Admiral Fund (VWNAX) (0.26)
Vanguard Institutional Index Fund Plus (VIIIX) (0.02)
Large CAP GROWTH
Vanguard PRIMECAP Admiral Fund (VPMAX) (0.31)
SMALL/MID/SPECIALTY
Jennison Small Cap (PQJCX) (0.95)
Vanguard Small Cap Index Fund (VSCIX) (0.04)
State Street Real Asset Fund (???) (0.38)
GLOBAL/INTERNATIONAL
Vanguard Developed Markets Index Instl (VTMNX) (0.06)
American Funds EuroPacific Growth R6 (RERGX) (0.47)
Vanguard Emerging Markets Stock Index Instl (VEMIX) (0.10)
------------------------------------------------------------------------------------------
Roth IRA $39k
------------------------------------------------------------------------------------------
71.29%SCHWAB TOTAL STOCK MARKET INDEX (SWTSX) (0.03)
14.59% SCHWAB INTERNATIONAL INDEX (SWISX) (0.06)
14.12% SCHWAB US AGGREGATE BOND INDEX (SWAGX) (0.04)
_______________________________________________________________
Questions:
1. For the Taxable Account I was thinking about doing a modified Ben Felix portfolio
https://www.optimizedportfolio.com/ben- ... portfolio/
20.00% U.S. 3-Month Treasury Bill Rate CASH / MONEYMARKET etc
48.00% Vanguard S&P 500 ETF (VOO) (0.03)
13.00% Vanguard FTSE Developed Markets ETF (VEA) (0.05)
7.00% Vanguard FTSE Emerging Markets ETF (VWO) (0.05)
8.00% Avantis US Small Cap Value ETF (AVUV) (0.25)
4.00% Avantis International Small Cap Val ETF (AVDV) (0.36)
2. For the 401K I was thinking about doing something similar to the taxable account to keep things simple (with mutual funds)
20.00% (VTBLX or that Northern Trust Tips Fund)
20.00% Vanguard Developed Markets Index Instl (VTMNX)(0.06)
48.00% Vanguard Institutional Index Instl Pl (VIIIX) (0.02)
12.00% Vanguard Small Cap Index I (VSCIX) (0.04)
3. Roth will more or less stay as is
What do you think ?
Thank you
Statistics: Posted by niremar — Tue Aug 20, 2024 8:04 am — Replies 0 — Views 42