I know these are always controversial, but I'm trying to come up with a portfolio that I like. Here is what I am thinking:
Tax Deferred Accts:
SPHIX High Yield Bond 10%
FINPX inflation Protected 20%
Taxable Accts:
VFIAX Large Blend 20%
VVIAX Large Value 10%
VSIAX Small Value 10%
VTIAX International 10%
VWIUX Int Term Tax Exempt 18%
VMMXX Money Market 2%
I have appropriate low cost stock funds in the tax deferred arena if I need to rebalance stock funds there. I added a HY bond but it's being counted toward the equity allocation of the portfolio, thus this could be considered about 60/38/2.
The value tilt was to squeeze a bit more dividends as well as for possibly improved growth.
I also have some rental property, and that will likely be converted to a REIT fund if and when it is sold at a 10% portfolio allocation.
Any and all comments welcome, I'm trying to pull the trigger on setting my allocations in the next few weeks.
Tax Deferred Accts:
SPHIX High Yield Bond 10%
FINPX inflation Protected 20%
Taxable Accts:
VFIAX Large Blend 20%
VVIAX Large Value 10%
VSIAX Small Value 10%
VTIAX International 10%
VWIUX Int Term Tax Exempt 18%
VMMXX Money Market 2%
I have appropriate low cost stock funds in the tax deferred arena if I need to rebalance stock funds there. I added a HY bond but it's being counted toward the equity allocation of the portfolio, thus this could be considered about 60/38/2.
The value tilt was to squeeze a bit more dividends as well as for possibly improved growth.
I also have some rental property, and that will likely be converted to a REIT fund if and when it is sold at a 10% portfolio allocation.
Any and all comments welcome, I'm trying to pull the trigger on setting my allocations in the next few weeks.
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