Want:
10% Cash (extra to invest when there is a downturn, percentage will decrease when total investment amount is higher, not our emergency fund, will help fix AA in the future)
15% Bonds
20% International Stocks
55% US Stocks
I am completely disregarding my real estate holdings from my allocation as I don’t consider them investments per say, they are expenses that I enjoy and hope the sale of will be beneficial in the future.
Current status of accounts:
Cash
$24,000
Roths
$11,000 US Stocks + $11,000 US Stocks (on Jan 2014, currently in cash, earmarked to get admiral shares)
401Ks
$15,325 2050 Target (63% US Stock, 27% Int Stock, 10% Bonds) ER 0.12
$4,900 Fixed Income Fund ER 0.36 <-- Need to get rid of? Should probably stick with the Domestic Bond Index for my bonds due to lower ER
$4,800 Domestic Bond Index ER 0.08
$3,650 2035 Target (60% US Stock, 25% Int Stock, 13% Bonds) ER 0.12
$3,475 SM/MID CAP EQ Index ER 0.06
$2,375 S&P 500 Equity Index ER 0.04
$2,325 Large Cap Eq Fund ER 0.51 <-- Need to get rid of
$2,200 Company Stock ER N/A <-- Need to get rid of
= $39,050
Taxable
Not opened, $0
Currently at:
$85,050
28% Cash
14% Bonds
6% International Stock
52% US Stock
Not quite right
So I will go with this:
Cash: $8,500
Roths: $22,000 Vanguard Total Stock Market, in less than two months
Taxable: $15,510 International Stocks, probably VFWIX
401K: $12,750 in Bonds -> Domestic Bond Index ER 0.08
$1,500 in International -> International Equity Index with ER 0.14
$24,790 in US Stocks -> $10000 SM/MID CAP EQ Index ER 0.06
$14790 S&P 500 Equity Index ER 0.04
Which gets me to my AA goal. Will sell and move around in the 401K to get this.
Does anything look wrong? Anyone else have recommendations for International Stock fund in taxable account?
Thanks!