Personal Investments • Help consolidate and improve my complicated portfolio

High level: I would like to simplify my approach. After inheriting some accounts in 2020, I made a lot of reckless ETF/stock purchases at the market height. I need to withdraw the inherited funds by 2030. I would ultimately like a simple long term approach for all my accounts, minimal ETFs with some room to play around with individual stocks and gamble a bit in the future.

1. When is the right time and approach to cut losses and consolidate on inherited accounts? I want to lower my risk for these accounts for the remaining 6 year horizon and maintain a somewhat aggressive approach for my overall retirement.

2. Is there an easy way to estimate how much annually would I need to contribute to withdraw 80K per year at 50, 55, 60, 65?

3. Looking at the wiki, it looks like my brokerages don't address tax-efficiency well. Any help there would be appreciated.

4. I would like to buy a home in CA, $600-800K in the next 5-10 years, household income is roughly 210K pre-tax/contributions. How can I use the brokerage effectively and plan my finances accordingly?

Thank you in advance for reading and responding, I will answer any questions as soon as possible.

Emergency funds: Yes
Debt: No
Tax Status: Filing Jointly (wife just started career and life in America, virtually no retirement contribution to account for)
Tax Rate: Fed 22% State:9.3%
State: CA
Age: 33
Desired Asset Allocation: 80/20
Desired International Allocation: I've shied away from direct international exposure (out of performance during the 2010's bull market in my accounts). However open to more exposure in a simplified strategy, but not educated on it.
Portfolio size: 650K

Current retirement assets

Taxable at schwab
0.23%ISHARES RUSSELL MID CAP VALUE ETF(IWS)(0.23%)
1.65%VANGUARD S&P 500 ETF (VOO) (0.03%)
1.93%VANGUARD TOTAL STOCK MARKET ETF (VTI) (0.03%)
0.48%VANGUARD VALUE ETF (VTV) (0.04%)
1.52%US TREASURY BILL24U S T BILL DUE 02/08/24
4.55%US TREASURY BILL24U S T BILL DUE 05/02/24
3.64%US TREASURY BILL24U S T BILL DUE 08/01/24
6.89%SCHWAB VALUE ADVANTAGE MONEY INVESTOR SHARES(SWVXX)
0.88%Cash

Roth at schwab
0.34%ARK AUTONOMOUS TECH RBTCS ETF(ARKQ) (0.75%)
0.65%ARK SPACE EXPLORATION INNVAT ETF(ARKX) (0.75%)
0.14%GLOBAL X LITHIUM BATTERYTECH ETF (LIT) (0.75%)
0.21%SCHWAB US SMALL CAP ETF (SCHA) (0.04%)
0.53%SCHWAB US BROAD MARKET ETF(SCHB) (0.03%)
0.72%SCHWAB INTERNATIONAL EQUITY ETF(SCHF)(0.06%)
0.76%VANGUARD S&P 500 ETF (VOO) (0.03%)
0.51%SCHWAB S&P 500 INDEX (SWPPX) (0.02%)
0.02%GAMESTOP CORP CLASS A (GME)
0.58%META PLATFORMS INC CLASS A (META)
0.68%Cash

IRA at schwab
0.69%VANGUARD S&P 500 ETF (VOO) (0.03%)
0.25%Cash

Inh IRA at schwab
0.20%ARK FINTECH INNOVATION ETF (ARKF) (0.75%)
0.11%ARK GENOMIC REVOLUTION ETF(ARKG) (0.75%)
0.29%ARK INNOVATION ETF(ARKK) (0.75%)
0.65%ARK SPACE EXPLORATION INNVAT ETF (ARKX) (0.75%)
0.29%ISHARES GOLD ETF (IAU) (0.25%)
0.46%INVESCO SEMICONDUCTORS ETF (PSI) (0.57%)
0.16%ISHARES SILVER TRUST ETF(SLV)(0.50%)
0.07%VANGUARD S&P 500 ETF (VOO) (0.03%)
0.23%SPROTT GOLD EQUITY INVESTOR (SGDLX) (1.45%)
1.67%US TREASURY BILL24U S T BILL DUE 04/30/24
0.27%ADVANCED MICRO DEVICE IN (AMD)
0.12%Cash

RSU employer stockplan morgan stanley
36.23%AMAZON.COM INC(AMZN)

401K Fidelity (PRE-TAX)Employer matches 50% of the first 4% of pay
13.45%VANGUARD TARGET 2050(0.035%)
0.57%VANGUARD TARGET 2060(0.035%)
0.57%VANGUARD TARGET 2055(0.035%)
0.19%VANGUARD TARGET 2065(0.035%)

inh roth IRA vanguard
2.61%AMAZON.COM INC(AMZN)

inh IRA vanguard
4.74%VANGUARD S&P 500 INDEX ETF (VOO)(0.03%)
0.36%ARK INNOVATION ETFARKK (0.75%)
0.22%ARK NEXT GENERATION INTERNET ETF (ARKW) (0.75%)
1.08%ARK SPACE EXPLORATION & INNOVATION ETF (ARKX) (0.75%)
0.11%ALIBABA GROUP HOLDING LTD SPONS ADS REPSTG 8 ORD SHS (BABA)
0.80%COINBASE GLOBAL INC CL A (COIN)
0.00%CANOO INC CL A (GOEV)
1.30%ALPHABET INC CL A (GOOGL)
0.02%ROBINHOOD MARKETS INC CL A (HOOD)
0.05%JD.COM INC SPON ADR REPSTG COM CL A (JD)
0.03%LUCID GROUP INC (LCID)
0.13%UWM HOLDINGS CORP CL A (UWMC)
5.17%VANGUARD FEDERAL MONEY MARKET INVESTOR CL (VMFXX)

Summary (excluding cash)
Bonds/money market: 23.90%
Stocks: 44.06%
ETF: 32.04%

Contributions

New annual contributions
$22K 401KEmployer matches 50% of the first 4% of pay
$6500 IRA
$15K taxable

Available Funds
401K
VANGUARD TARGET 202003/02/20210.035%
VANGUARD TARGET 202503/02/20210.035%
VANGUARD TARGET 203003/02/20210.035%
VANGUARD TARGET 203503/02/20210.035%
VANGUARD TARGET 204003/02/20210.035%
VANGUARD TARGET 204503/02/20210.035%
VANGUARD TARGET 205003/02/20210.035%
VANGUARD TARGET 205503/02/20210.035%
VANGUARD TARGET 206003/02/20210.035%
VANGUARD TARGET 206503/02/20210.035%
VANGUARD TARGET 20700.035%
VANGUARD TARGET INC03/02/2021
AMAZON.COM STOCK (AMZN)05/15/1997
SSGA LG CAP GROWTH03/10/2021(0.0255)
SSGA LG CAP VALUE03/10/2021(0.0262%)
VANG FTSE SOC IDX IS (VFTNX)01/14/2003VFTNX(0.12%)
VANG INST 500 IDX TR12/12/2019(0.0104%)
SSGA SM/MID CAP03/10/2021(0.0225%)
VANG EXPLORER ADM (VEXRX)12/11/1967VEXRX(0.34%)
VANG SM VAL IDX INST (VSIIX)05/21/1998VSIIX(0.06%)
AF EUROPAC GROWTH R6 (RERGX)04/16/1984RERGX(0.47%)
HARRIS OAKMRK INTL 302/20/2013(0.67%)
VG IS TL INTL STK MK12/12/2019(0.0450%)
VANG RET SVNG TR II01/03/1989(0.24%)
PIMCO TOTAL RTN II11/30/2009(0.37%)
VG IS TOT BD MKT IDX12/12/2019(0.018%)

Statistics: Posted by peanut9 — Fri Feb 02, 2024 8:10 pm — Replies 0 — Views 67

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