Hi Everyone:
I have been working on implementing a brand new portfolio. I have been doing a lot of reading and trying different combinations. I need to toss this out and get some feedback or I will be spinning my wheels forever. I am asking everyone to please take a look at this proposed portfolio. I would very much appreciate your comments.
Here is some background information. I am 43 and DH is 51. I am retired and he is still working some. His gross is < 65K and has a lot of deductions (SB). He plans on retiring in 2-3 years. We own our home and cars. No debt. We have no pensions. Both DD college funds intact. I inherited money from my parents 2 years ago and it is sitting mostly in cash. I tried a FP early on  and got burned. Made a few dumb moves that will take some time to get out of  .
88% is in taxable accounts and 12% in tax- sheltered. All is sitting in cash. My 401's were in terrible funds and I wanted to move everything to VG. Here goes.
Wellington (VWENX) 12.5%
TM Small Cap (VTMSX) 6.25%
SM Cap Value (VISVX) 6.25%
TM International (VTMGX) 10%
International Value (VTRIX) 10%
Emerging Market (VEIEX) 5%
Reit (VGSIX) 5%
TM Intermediate bond (VWIEX) 20%
Am Century Foreign bond (BEGBX) 10%
Cash 15%
I have looked at other possiblities besides Wellington such as TSM, 500 Index, TM capital appreciation. I know that Wellington should go in a tax sheltered but there is no room (not much room for anything really). I plan on using about a 3.5 or less SWR. The foreign bond and reit will be the first on the list in the tax-sheltered.
Please let me know what you think. Thank you.
LovesLife
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