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As a potential RE at 48 with wife and 3rd grader son, here is a way that I am thinking of structuring my portfolio to maximize income and minimize risk. Equity in the house is $0.6M, debt is less than $0.2M. Portfolio size is $1.1M, 85% in taxable, 15% in tax-deferred. The objective is to extract $40K of passive income with some amount of risk.
1. 100K 5 yr CD at 5%
2. 100K 4 yr CD at 4%
3. 350K Moneymarket at 3%
4. 60K I-Bonds @3.67%
5. 125K Dividend paying stocks, 5-6 @ 8%
6. 125K Preferred Shares and REIT @7%
7. 100K Vanguard HY Corporate & ST Bond @4%
8. 100K Vanguard Wellington@4%
Comments?
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