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need help with portfolio and asset location

Bogleheads • View forum - Investing - Help with Personal Investments - www.bogleheads.org
Hi all

I am trying to get my financial house in order and would love to get your feedback on my portfolio and the location of the assets

so far i have been using the fidelity freedom funds 2045 fund (FFKGX) (ER 0.64) in my 401k and 457 at fidelity.

I also have roth IRA account for myself and my wife, plus a taxable account at Vanguard.

I want to take the money out of the Fidelity freedom funds and use the low cost Vanguard funds in the 401k and 457

Emergency funds: 6 months

Debt: $0

Tax Filing Status: married filing jointly

Tax Rate: 39% Federal, 0% State

Age: 40

Desired Asset allocation: 80% stocks / 20% bonds

Desired International allocation: 33% of total stocks

I would like the following allocation

REIT Vanguard REIT index fund 7.5% (ER 0.12) (as total stock market has 3% REIT, this will get me around 10% REIT overall)

Remaining 72.5% of stocks are divided as follows

US stocks 48.5% of total portfolio

38.5% Vanguard total stock market index fund (0.04) or Fidelity Total Stock market index FSTVX (ER 0.045)

10% ISHARES S&P SMALL CAP 600 VALUE (ER 0.25) (equivalent of Vanguard small value index fund)

24% international stocks will be invested in Vanguard Total international stock market index fund (0.11)

For 20% Bonds I will use Vanguard total Bond market institutional index fund (available in 401k/457, ER 0.04)

Now regarding the location of the different funds in different accounts, here is what I am thinking

REIT index fund goes in the ROTH IRAs

Extra REIT amount which did not fit into ROTH IRA goes into 401K ( I can use fidelity brokerage link to access fidelity REIT index fund FSRVX ER 0.09)

457 will hold the Vanguard total Bond market index institutional

401 K will hold the following funds

- ISHARES S&P SMALL CAP 600 VALUE

- Vanguard total Bond market index fund institutional VBTIX (ER 0.04)

- Amount left will be invested in Fidelity Total Stock market index fund FSTVX (ER 0.045)

HSA (small balance) will be invested in Vanguard Small value index admiral VSIAX (ER 0.07 + 0.396 (extra fee charged by health equity) total ER 0.466)

Taxable Account

-Vanguard Total Stock Market index fund

-Vanguard Total International stock market index Fund

I would really appreciate any feedback . I am open to suggestions if you think there is a better way to locate these funds or if there any suggestions to improve the portfolio.
Date: Jun 19, 2017   


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