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Portfolio Advice - Taxable Accounts/Passive Income

Bogleheads • View forum - Investing - Help with Personal Investments - www.bogleheads.org
Hello everyone,

This is my first post and seeking some portfolio advice. I am active duty military and do real estate investing on the side. Recently, I deposited my emergency fund in a taxable account with Vanguard (VASIX) and reinvest the dividends and capital gains.

I max out my Roth IRA but don't max out my Roth TSP each year due to the restrictions on withdrawing the contributions/earnings before 59 1/2 because I would like to tap into the money sooner.

Short-term goal: Start investing in index funds while reinvesting the dividends and capital gains with an asset allocation 90/10.

Emergency funds: Five months of expenses (20K)

Debt: House 1: Conventional Mortgage loan 3.68% fixed/30 year, Conventional Mortgage loan 5.25% fixed/30 year

Tax Filing Status: Married Filing Jointly

Tax Rate: 15% Federal, 0% State

State of Residence: FL

Age: 27

Desired Asset allocation: 90% stocks/10% bonds

Desired International allocation: 20% of stocks

After tax monthly income: $9951

Monthly expenses: $4000

Current retirement assets

Taxable - $20K

100% Vanguard LifeStrategy Income Fund Investor Shares (VASIX) (0.12%)

Roth TSP - $11K

75% C Fund Common Stock Index (0.38%)

15% S Fund Small Cap Stock Index (0.38%)

10% I Fund International Stock Index (0.38%)

Company match? No

Roth IRA at Vanguard - $35K

10% Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) (0.06%)

22% Vanguard Total International Stock Index Fund Investor Shares (VGTSX) (0.18%)

68% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) (0.05%)

Contributions

New annual Contributions (2017)

$0 his IRA/Roth IRA

$650 his TSP

Questions:

1) Is it tax efficient to invest VTSAX in the same taxable brokerage account as VASIX or should I create a separate brokerage account for VTSAX?

2) What are some recommendations to develop passive income streams through investing with Vanguard?

3 Open to any portfolio recommendations.
Date: Apr 18, 2017   


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