Hello,
I am new to the site and would value comments on my portfolio.
Emergency Fund: Yes, six months
Tax rate: 25% Federal, 4.24% State
State of residence: Az
Age: 41
Desired asset allocation: 80% stocks, 20% bonds
Desired international allocation: 30% stocks
Total portfolio is mid-six figures. I have included my invetments below, indicating the expense ratio of each fund as well as what percentage each is of my total portfolio.
Current Retirement Assets:
Taxable Expense Ratio Percentage
VTI - Vanguard Total Stock Market ETF 0.05% 1.744076085%
VTI - Vanguard Total Stock Market ETF 0.05% 0.383221225%
VTI - Vanguard Total Stock Market ETF 0.05% 0.08079392%
His 401K
Bond Market Index Fund 0.06% 1.47587969%
S&P 500 Index Fund 0.05% 38.34614997%
International Index Fund 0.13% 9.734240504%
Russell 200 Index Fund 0.07% 26.31360376%
His Roth at Vanguard
VBTLX - Vanguard Total Bond Market Index Fund Admiral Shares 0.08% 3.624320429%
VTIAX - Vanguard Total International Stock Index Admiral Fund 0.14% 4.362618428%
VTSAX - Vanguard Total Stock Market Index Fund Admiral Shares 0.05% 10.37146651%
Her Roth at Vanguard
VBMFX - Vanguard Total Bond Market Index Fund Investor Shares 0.20% 0.710367719%
VGTSX - Vanguard Total International Stock Index Fund Investor Shares 0.22% 0.855387827%
VTSAX - Vanguard Total Stock Market Index Fund Investor Shares 0.05% 1.997873936%
Contributions
New Annual Contributions
$18000 his 401K (Employer match of 6%)
$5500 His Roth IRA
$5500 Her Roth IRA
Available Funds
Funds available in his 401K
Lifecycle Funds:
Fund Expense Ratio
Lifecycle Retirement Fund .32%
Lifecycle 2020 Fund .35%
Lifecycle 2025 Fund .36%
Lifecycle 2030 Fund .37%
Lifecycle 2035 Fund .38%
Lifecycle 2040 Fund .38%
Lifecycle 2045 Fund .38%
Lifecycle 2050 Fund .39%
Lifecycle 2055 Fund .40%
Index Funds:
Fund Expense Ratio
Bond Market Index Fund .06%
Balanced Index Fund .07%
S&P 500 Index Fund .05%
International Index Fund .13%
Russell 2000 Index Fund .07%
Actively Managed Funds:
Fund Expense Ratio
Stable Value Fund .29%
Global Bond Fund .36%
Diversified Real Asset Fund .72%
U.S. Large Companies Fund .31%
Global Equity Fund .68%
International Companies Fund .63%
U.S. Small/Mid Companies Fund .69%
Science and Technology Fund .65%
Questions:
Prior to a few days ago and finding this forum, my wife and I were 100% in Vanguards VTI fund. I just reallocated to the three portfolio fund allocation of 56% Total Stock Market, 24% International Stock market, and 20% Total Bond Market.
I am also in the process of moving money in my 401K into the Bond Market Index Fund. I was formerly 34% S&P 500 Index Fund, 33% International Index Fund and 33% Russell 200 Index fund.
I am doing the right thing moving into bonds with current low interest rates in order to diversify my portfolio to include bonds?
I have a taxable account for each of my two children, as well as a taxable account for my wife and I. I also have two 529 accounts I recently opened for my two children. I have read both sides about including bonds in my taxable accounts and am looking for advice on fund selection and allocation for my taxable accounts.
All comments are welcome regarding my current portfolio and asset allocations, as well as advice on how to add to my taxable accounts when I have income available, as I do not have $3000 to add to them at this time to meet the Vanguard Investor Share minimums for all funds, so that is why I am currently in VTI in them as it allowed me to open them with a lower initial contribution.
Thank you