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28, Single, No Debt, Seeking Portfolio Advice

Bogleheads • View forum - Investing - Help with Personal Investments - www.bogleheads.org
Emergency funds: 6 months of expenses

Debt: $0

Tax Filing Status: Single

Tax Rate: 25% Federal, 6.45% State

State of Residence: New York

Age: 28

Income: ~80k (variable with commission)

Desired Asset allocation: 90% stocks / 10% bonds

Desired International allocation: 30% of stocks

Current retirement assets

Size of the portfolio: Mid five-figures

401k at Fidelity Company matches up to 6% contributions

52% Fidelity 401k State Street S&P 500® Index Non-Lending Series Fund Class K (CMDVQ) (0.013%)

Roth IRA at Vanguard

11% Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) (0.150%)

29% Vanguard Total International Stock Index Fund Investor Shares (VGTSX) (0.180%)

8% Vanguard Total Bond Market Index Fund Investor Shares (VBMFX) (0.150%)

HSA (started contributing this year)

1% Vanguard Total Bond Market Index Fund Institutional Plus Shares (VBMPX) (0.030%)

New annual Contributions

$9k 401k + 6% company match (~$2,300) (will max for the year)

$0 Roth IRA (already maxed for the year)

$1.8k HSA (will max for the year)

$10k+ Taxable account (this is where I'm a bit lost)

Available funds

Funds available in 401(k)

JPMCB SmartRetirement® Passive Blend Income Fund CF (0.26%)

JPMCB SmartRetirement® Passive Blend 2015 Fund CF (0.26%)

JPMCB SmartRetirement® Passive Blend 2020 Fund CF (0.26%)

JPMCB SmartRetirement® Passive Blend 2025 Fund CF (0.25%)

JPMCB SmartRetirement® Passive Blend 2030 Fund CF (0.25%)

JPMCB SmartRetirement® Passive Blend 2035 Fund CF (0.25%)

JPMCB SmartRetirement® Passive Blend 2040 Fund CF (0.25%)

JPMCB SmartRetirement® Passive Blend 2045 Fund CF (0.25%)

JPMCB SmartRetirement® Passive Blend 2050 Fund CF (0.26%)

JPMCB SmartRetirement® Passive Blend 2055 Fund CF (0.29%)

State Street S&P 500® Index Non-Lending Series Fund Class K (CMDVQ) (0.013%)

State Street Russell Small/Mid Cap® Index Non-Lending Series Fund Class K (0.04%)

State Street Global All Cap Equity Ex-U.S. Index Non-Lending Series Fund Class K (0.11%)

State Street U.S. Bond Index Non-Lending Series Fund Class K (0.04%)

Small Cap Blend Fund (0.7056%)

International Equity Blend Fund (0.2935%)

Capital Preservation Fund (0.3493%)

Sorry for the lack of ticker symbols on most of these. The website does not make it easy to find these at all. Hopefully the expense ratio + full description is enough.

Funds available in HSA

VANGUARD SMALL CAP VALUE INDEX ADMIRAL (VSIAX) (0.07%)

VANGUARD TARGET RETIREMENT 2060 INV (VTTSX) (0.16%)

VANGUARD GROWTH INDEX INSTITUTIONAL (VIGIX) (0.05%)

VANGUARD TARGET RETIREMENT 2020 INV (VTWNX) (0.14%)

VANGUARD WELLESLEY INCOME ADMIRAL (VWIAX) (0.15%)

VANGUARD TARGET RETIREMENT 2040 INV (VFORX) (0.16%)

VANGUARD TARGET RETIREMENT INCOME INV (VTINX) (0.13%)

VANGUARD EXTENDED MARKET INDEX INSTLPLUS (VEMPX) (0.05%)

VANGUARD TOTAL INTL STOCK IDX INSTLPLS (VTPSX) (0.07%)

VANGUARD SHRT-TERM INFL-PROT SEC IDX ADM (VTAPX) (0.07%)

VANGUARD INSTITUTIONAL INDEX INSTL PL (VIIIX) (0.02%)

VANGUARD EMERGING MKTS STOCK IDX INSTL (VEMIX) (0.11%)

VANGUARD SHORT-TERM BOND INDEX ADM (VBIRX) (0.07%)

VANGUARD TARGET RETIREMENT 2030 INV (VTHRX) (0.15%)

VANGUARD MATERIALS INDEX ADMIRAL (VMIAX) (0.10%)

VANGUARD MID-CAP VALUE INDEX ADMIRAL (VMVAX) (0.07%)

VANGUARD SMALL CAP INDEX ADM (VSMAX) (0.06%)

VANGUARD TOTAL INTL BD IDX ADMIRAL (VTABX) (0.12%)

VANGUARD INFLATION-PROTECTED SECS I (VIPIX) (0.07%)

VANGUARD TARGET RETIREMENT 2050 INV (VFIFX) (0.16%)

VANGUARD REIT INDEX INSTITUTIONAL (VGSNX) (0.10%)

VANGUARD VALUE INDEX ADM (VVIAX) (0.06%)

VANGUARD TOTAL BOND MARKET IDX INSTLPLS (VBMPX) (0.03%)

Questions:

1. Given I'm going to be maxing out my 401k, HSA, and Roth this year what's the best route to take if I want to save more? Given my current expenses are low I can afford to likely put away another 10k+ and still live comfortably, but I am not sure the best approach to take. My employer does allow after tax contributions to my 401k (I'm not sure if I can do in-service withdraws). The other option would just being opening a regular taxable account.

2. Once I determine where to contribute the money what would the best fund option(s) be for the taxable account given my current portfolio and situation? Any glaring issues with my current allocation? To give a bit of background and goals, the thought of early retirement does interest me, but ultimately at this point I'm just trying to save as much as I can while I'm young, don't have high expenses, and can afford to. Kind of to makeup for the lack of significant savings in my early 20's.
Date: Jun 20, 2017   


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