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Sat Jun 17, 2017 3:59 pm

Bogleheads • View forum - Investing - Help with Personal Investments - www.bogleheads.org
Here's my portfolio:

Emergency funds: 3 months Checking/Savings Accounts

Debt:

$370k (House, 3.4%, 26 years left) Current Value = $820k

$190k (Condo rental, 4.4%, 25 years left) Current Value = $300k

$26k (Auto loan, 2.5%, 3+ years left)

$15k (Credit card, 0% interest till Jan '18)

Tax Filing Status: Married, one child (1 yo)

Tax Rate: 28% Federal, 4.6% State

State of Residence: CO

Age: 32, wife 35

Desired Asset allocation: 90% stocks / 10% bonds

Desired International allocation: 40% of all stocks

Current Retirement Assets

Taxable, Vanguard ($62k):

$14k (20% capital gains) VSMAX (Vanguard Small Cap)

$32k (0-40% capital gains vary) VTIAX (Vanguard Total International)

$14k (30% capital gains) VTSAX (Vanguard Total Stock)

$2k (0% capital gains) VWO (Vanguard Emerging Markets)

Wife's company stock

$20k Large cap, tech (stock is split between 3 companies)

My 401k: Total = $183k (All ER are <0.07%):

$8k VTMNX (Vanguard Developed Intl Markets)

$149k VTRS35 (Vanguard target retirement 2035)

$24k VTRS50 (Vanguard target retirement 2050)

$2k Company Stock (mid-cap)

The reason for the two TD funds is to get the correct allocation of bonds to balance out the stocks in my tax advantaged accounts

ESPP option for taxable w/ 12% discount, don't plan on doing this

Wife's 401k Total = $142k:

$142k Fidelity Retirement 2045 Fund, no ticker, active managed, 0.54% ER

83% stock/11% bond/2% cash/4% Other(?)

Stocks: 52/48 dom/intl

Bonds: 13.2% Intl Bonds

My Roth IRA (Vanguard):

$5.6k VO (Vanguard Mid-cap)

529 Plan Total=$72k (0.36% ER):

$50k VTIPX (Vanguard Total Stock)

$22k VTABX (Vanguard Total International)

Asset Allocation:

Everything (excluding wife's 401k) ($342k)

90/10 stock/bond

60/40 dom/intl stock

Wife's 401k ($142k):

83% stock/11% bond/2% cash/4% Other(?)

Stocks: 51%/49% dom/intl

Contributions:

Max HSA (current balance ~$3k)

Max 401k contributions if possible, considering doing to backdoor Roth IRA for my wife and I next year, but this would probably mean lowering our 401k contributions. I estimate that we could contribute $35k total if we just did the 401k this year.

For AA I've been using Vanguard's portfolio watch using all assets but my wife's 401k. Ignored her 401k because it was harder to track (it's an actively managed fund with no ticker, has a similar AA to my AA goal, and I didn't know what to make of the "other" category). I aim for a 90/10 split and follow Vanguard's recommendations on domestic/intl and large/med/small cap allocations as much as possible.

TLH for 2017 is $500

Condo rental - technically I'm taking a slight loss on this each year (rent - mortgage - HOA - repairs), however if you were to subtract out the principal from the mortgage it is cash flow positive. I don't really consider this as part of my retirement plan; anything that comes of this would be a nice bonus.

Would like to retire early, possibly by 50.

Questions:

1. Are there any glaring issues with my portfolio now?

2. I'm not sure how much we'll be able to save this year due to some unexpected costs and income. I don't believe we'll be able to max our 401k's, but should come close, but given the choice between contributing to our 401k or doing a backdoor Roth IRA which is better? Or should I sell funds from our taxable account to fund the 401k and/or Roth IRA?

2a. If my goal is early retirement should I be contributing more to a Roth and/or taxable accounts so I have a source of income in early retirement? Or should I plan on doing a SEPP?

3. We're planning on selling most of my wife's stock, would rather have the money diversifed than concentrated in a few companies. The cost basis for it varies as it has accumulated over the past few years and is with 3 different companies. Since I have some TLH losses this year, small but still, I was planning on selling all stock with losses this year, then selling the remainder next year. Is this a wise strategy? Is it better to sell everything now?

4. From what I've read on these forums, sounds like people prefer other investment options over 529 plans, however in CO we do get a tax credit for contributing to a 529 plan. Is this a worthwhile investment? I'm not planning on contributing to it again anytime soon.

Thanks in advance!
Date: Jun 18, 2017   


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