Hello All,
We are looking to move our AA to 80/20 or 75/25. Not sure. Will welcome advise & suggestions. Right now at 92/8.
Emergency Funds: Yes, 6 Months in Vanguard MM @ 5.5%
Debt: Mortgage 190,000 @ 3.5%
Tax Filing Status: Married Filing Jointly
Tax Rate: 22% Federal, 6.35% State ( In between jobs right now ).
State of Residence: CT
Age: Her: 52, His: 55
Desired Asset allocation: 80% stocks / 20% bonds or 75 / 25. Not sure? right now at 92/8.
Desired International allocation: Unsure? Recommendations?
Please provide an approximate size of your total portfolio $1.7M
Current retirement assets
Taxable Vanguard 50.72% or 854,284
45% VOO Vanguard S&P 500 etf .03
3.92% VWILX Vanguard international growth .31
1.66% VTMGX Vanguard developed Markets .07
Tax deferred Vanguard 50.28 or 847,547
His rollover IRA
8.37% VWENX Vanguard Wellington fund .17
5.28% VWILX Vanguard International Growth .31
5.93% VWIAX Vanguard Wellesely income fund .16
8.21% AKREX Akre focus fund 1.31 (expense ration very high, after VOO and VGT, this is highest performing for me) In delima
5.96% VGT Vanguard information technology ETF .10
His ROTH IRA
4.06% VDIGX Vanguard dividend growth .30
4.28% VGSLX Vanguard REIT .12 (want to sell and roll into VDIGX but am down 22%)
1.71% VWENX Vanguard Wellington .17 (want to sell and buy VDIGX)
2.53% VGT Vanguard information technology ETF .10
Her ROTH IRA
2.06% VDIGX Vanguard dividend growth .30
.70% VGSLX Vanguard REIT (want to sell and roll into VDIGX but am down 22%)
.33% VTSAX Vanguard total market .04
Questions:
1. How to consolidate and move to AA of 80/20 or 75/25? I have too many funds.
2. Which bonds funds to buy in my rollover IRA? VBILX (vanguard intermediate Bond Index Fund or VFIDX ( Vanguard investment grade Bond fund) or VBTLX ( vanguard total bond market index)
3. For now VWENX vanguard Wellington gives me 60/40 exposure to bonds and VWIAX (vanguard Wellsely gives 40/60 exposure to bonds.
Many thanks and best regards!
We are looking to move our AA to 80/20 or 75/25. Not sure. Will welcome advise & suggestions. Right now at 92/8.
Emergency Funds: Yes, 6 Months in Vanguard MM @ 5.5%
Debt: Mortgage 190,000 @ 3.5%
Tax Filing Status: Married Filing Jointly
Tax Rate: 22% Federal, 6.35% State ( In between jobs right now ).
State of Residence: CT
Age: Her: 52, His: 55
Desired Asset allocation: 80% stocks / 20% bonds or 75 / 25. Not sure? right now at 92/8.
Desired International allocation: Unsure? Recommendations?
Please provide an approximate size of your total portfolio $1.7M
Current retirement assets
Taxable Vanguard 50.72% or 854,284
45% VOO Vanguard S&P 500 etf .03
3.92% VWILX Vanguard international growth .31
1.66% VTMGX Vanguard developed Markets .07
Tax deferred Vanguard 50.28 or 847,547
His rollover IRA
8.37% VWENX Vanguard Wellington fund .17
5.28% VWILX Vanguard International Growth .31
5.93% VWIAX Vanguard Wellesely income fund .16
8.21% AKREX Akre focus fund 1.31 (expense ration very high, after VOO and VGT, this is highest performing for me) In delima
5.96% VGT Vanguard information technology ETF .10
His ROTH IRA
4.06% VDIGX Vanguard dividend growth .30
4.28% VGSLX Vanguard REIT .12 (want to sell and roll into VDIGX but am down 22%)
1.71% VWENX Vanguard Wellington .17 (want to sell and buy VDIGX)
2.53% VGT Vanguard information technology ETF .10
Her ROTH IRA
2.06% VDIGX Vanguard dividend growth .30
.70% VGSLX Vanguard REIT (want to sell and roll into VDIGX but am down 22%)
.33% VTSAX Vanguard total market .04
Questions:
1. How to consolidate and move to AA of 80/20 or 75/25? I have too many funds.
2. Which bonds funds to buy in my rollover IRA? VBILX (vanguard intermediate Bond Index Fund or VFIDX ( Vanguard investment grade Bond fund) or VBTLX ( vanguard total bond market index)
3. For now VWENX vanguard Wellington gives me 60/40 exposure to bonds and VWIAX (vanguard Wellsely gives 40/60 exposure to bonds.
Many thanks and best regards!
Statistics: Posted by RB18 — Wed Feb 07, 2024 9:48 pm — Replies 2 — Views 186