Have about 15k coming in on Friday and I want to finish setting up/opening up the last Vanguard funds to try and create a more balanced approach.
Breakdown
342k in Schwab individual stocks. Almost all in large cap, and a couple of tech stocks....will hopefully be winding this down in coming years to put into indexes but this is going to be slow going. The current holdings look a lot like Vanguards Windsor Fund at the moment.
48k in TSP:
52% C
5% G
20% I
23% S
47k in 401k:
62% Large Cap (I know, I need to rebalance),
9% Bond,
10% International,
19% Small Cap
25k in Cash/CDs.
Roth 1: 12.5k in VDIGX
Roth 2: 12.5k VFIAX
Taxable Vanguard:
3k in VQNPX,
3k in VEIPX
6.5k in VHDYX
We are already maxed on all retirement accounts for the year, and set for our Roths to be maxed January 1st, leaving us with about 4-5k cash a month that will be going into taxable accounts (401ks will be contributed to the max on top of this) staring on January 15th.
I'm just not sure what other funds we should open within Vanguard, I don't want to have a million different index funds. I think we are going to put the REIT fund into our Roths in January so I was thinking of opening up VFIAX in the taxable. I also know we are low on bond allocation, but I'm not sure if that's the way to go with the current bond situation and us having a 10 year horizon?
I think we are outsized on the Large Caps, but everything else has had pretty sad returns over 10 years. Long and short I just don't know what else to open to balance everything? I'd like to use the 15k to finish opening whatever funds need to be opened, then next year just rotate putting in the taxable income to each one. Any recommendations from people more familiar with Vanguard?
*PS we also have a good chunk of equity in a rental property and in our primary house, so outside of next years REITs, not sure how much more real estate exposure would be healthy?