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New Portfolio (403b to IRA Rollover)
Old 11-16-2015, 03:19 PM   #1
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New Portfolio (403b to IRA Rollover)

My 403b has been sitting with my former employer for the last 6 1/2 years. All I've done is a periodic re-balance to 50/50 AA. I've decided to roll it over to a Vanguard IRA.

Now for the fun part, this is like creating a whole new portfolio from scratch. Below, I've outlined a first attempt at a new portfolio. Wellington and Wellesley have been included since they have been long time favorites. Any suggestions or critiques would be appreciated.

Details: $750K in pretax accounts, $175K in after tax account, no withdrawal from pretax accounts for at least 4 years. Desire 50/50 AA in pretax accounts.

Wellington 25%
Wellesley 25%

Total US Stock Market Index 15%
Total International Stock Index 5%
Value Index 5%

Total Bond Market Index 15%
GNMA 5%
TIPs 5%
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Old 11-16-2015, 04:00 PM   #2
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You're much lighter on international than I would be. Although I don't follow it strictly, I like the approaches here for simple portfolios:

https://www.bogleheads.org/wiki/Lazy_portfolios
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Old 11-16-2015, 05:03 PM   #3
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I would think about not doing those 5% (distribute to others) and maybe upping the foreign.

just my two cents as I look at mine I have too many and can't sell now in my tax account as they have increased so.
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Old 11-17-2015, 08:08 AM   #4
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Quote:
Originally Posted by ducky911 View Post
I would think about not doing those 5% (distribute to others) and maybe upping the foreign.

just my two cents as I look at mine I have too many and can't sell now in my tax account as they have increased so.
Exactly my thinking

Wellington 25%
Wellesley 25%

Total US Stock Market Index 15%
Total International Stock Index 10%

Total Bond Market Index 25%
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