Sorry, tried to format this, but do not know how... With that said, and with an appreciative spirit, I would like some help from my friends here at MMM to guide me with what I have. Total is right around $1.3 million. My situation is:
I have been/project to live on less than $20,000/year. I rent, am single/divorced, and have no other debt. Currently in a situation of ER transition, trying to get my feet under me, feel confident with my choice and new lifestyle, and find out just what the hell I want to do with the rest of my life... I know punching a time clock, and long commutes are not in this future. This portfolio has bits and pieces from decades ago, some very recent, and now seemingly not very smart... What the hell can you do, but the best you can at the time.
The huge amount of current cash is because I was very close to buying a home (about $100k), with the rest as an emergency fund (face punch for the amount). The TIAA-CREF was inherited, part of it a variable annuity, and I currently have to take RMD's from it for about $3,000/yr. The QDRO is still held at my ex-wife's benefit provider (Hewitt), and the fees/cost are actually pretty good considering the source.
Obviously I would like to be as tax efficient as possible, and hopefully using the 4% rule, I should not be broke in the future... Would like to stay around a 3% SWR ideally. So, your advice, suggestions and help to maximize my situation are GREATLY appreciated. Thanks!
Cash/Cash Equivalents:
VMMXX Vanguard Prime Money Market Fund $4,008
Cash in Savings Account $174,324
Total $178,832
Vanguard Taxable Stock Mutual Funds:
VGENX Vanguard Energy Fund Investor Shares $19,099
VGSLX Vanguard REIT Index Fund Admiral Shares $27,002
VDIGX Vanguard Dividend Growth Fund $57,099
VIGRX Vanguard Growth Index Fund Investor Shares $6,410
VGHCX Vanguard Health Care Fund Investor Shares $21,406
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares $383,919
VTIAX Vanguard Total International Stock Index Fund Admiral Shares $43,850
Total $558,785
Vanguard taxable Fixed Income:
VBTLX Vanguard Total Bond Market Index Fund Admiral Shares $115,260
VTABX Vanguard Total International Bond Index Fund Admiral Shares $31,762
Total $147,022
Janus Taxable Mutual funds:
JANRX Janus Global Select Fund 419.463 $12.680 10/21/2014 $5,318
JNGLX Janus Global Life Sciences Fund 176.148 $50.780 10/21/2014 $8,944
JNGTX Janus Global Technology Fund 287.438 $23.500 10/21/2014 $6,754
Total $21,016
Taxable Yacktman Fund:
YACKX YACKTMAN FUND SERVICE CLASS Total $4,028
Taxable Transamerica Fund:
TFOIX Transamerica Capital Growth Total $6,200
TIAA-CREF IRA:
CREF Growth $29,973
CREF Stock $31,721
TIAA Traditional $53,907
Total $115,601
Janus Traditional IRA:
JANBX Janus Balanced Fund $1,611
JNMCX Perkins Mid Cap Value Fund $3,100
JNGOX Perkins Global Value Fund $1,250
JANRX Janus Global Select Fund $9,363
JANEX Janus Enterprise Fund $1,392
JANVX Janus Venture Fund $2,009
Total $18,725
Janus Roth IRA:
JNRFX Janus Research Fund $1,445
JACNX Janus Contrarian Fund $8,204
JNGTX Janus Global Technology Fund $3,286
JANEX Janus Enterprise Fund $1,181
JANRX Janus Global Select Fund $2,155
Total $16,271
Vanguard Roth IRA:
VGENX Vanguard Energy Fund Investor Shares $8,536
VGSIX Vanguard REIT Index Fund Investor Shares $4,573
VISGX Vanguard Small-Cap Growth Index Fund Investor Shares $4,975
Total $18,084
YACKTMAN FUND Roth IRA:
YACKX YACKTMAN FUND SERVICE CLASS Total $3,612
401k from divorce QDRO:
High Yield Bond $11,307
U.S. Small-Mid Cap Stock $18,958
Non-U.S. Developed Markets Stock $2,568
Non-U.S. Emerging Markets Stock $7,425
U.S. Large Cap Stock $32,630
Total $72,890
Stock Portfolio: Total $142,000
AA
ALCOA INC 769.396 $16.28 $12,525
BP
BP PLC ADR 100.000 $42.04 $4,203
BSX
BOSTON SCIENTIFIC CORP 60.000 $11.89 $713
CSCO
CISCO SYS INC 450.000 $23.33 $10,498
COP
CONOCOPHILLIPS 151.029 $70.14 $10,593
CMI
CUMMINS INC 85.141 $134.14 $11,420
DE
DEERE & COMPANY 51.047 $83.58 $4,266
DOW
DOW CHEMICAL CO 99.860 $47.65 $4,758
F
FORD MTR CO 350.000 $14.12 $4,942
INTC
INTEL CORP 215.671 $32.14 $6,931
OLN
OLIN CORP NEW 1,032.375 $25.32 $26,139
PSX
PHILLIPS 66 COM 25.514 $76.05 $1,940
PG
PROCTER & GAMBLE 15.472 $84.28 $1,303
STBA
S & T 123.701 $24.81 $3,069
SWHC
SMITH & WESSON 950.000 $10.28 $9,766
SCCO
SOUTHERN COPPER CORP 251.070 $29.88 $7,501
X
UNITED STATES STEEL 240.192 $35.50 $8,526
WMT
WALMART STORES INC 30.604 $75.91 $2,323
RIG
TRANSOCEAN LIMITED COM 285.000 $29.82 $8,498