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Would you change this portfolio ??
Old 11-07-2019, 10:39 PM   #1
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Would you change this portfolio ??

Please give your opinion about our portfolio -

I am 63, DW 58, retiring in 2 years , -

My IRA -
VTABX --------- 6%
VBTLX ---------16%

My Roth IRA -
VTSAX -----------2%
DW Roth IRA -
VTSAX -----------2%

My Taxable -
VTIAX -----------7%
VWIUX ----------2%
DW Taxable -
VTIAX ----------- 6%
VTMGX ---------- 2%
VTSAX ---------14%

*We have $380k in Bank CDs & Online Savings & the Asset Allocation is around Stocks 52% & Fixed Income including the savings is 48%
*We needed the Tax Exempt Bonds in Taxable to maintain the AA, although now being in 22% Tax Bracket, we may go to taxable bonds .

What do you think ? Will you change anything ?

Thanks in advance for your opinions

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Old 11-08-2019, 05:33 AM   #2
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If you are happy with the AA then that's as good a way as any. You have rather more international than I like but that is a personal choice.

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Old 11-08-2019, 06:54 AM   #3
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I have many of the same holdings, so I like your choices. But your AA should be what you’re comfortable with, not what someone else would choose. History would suggest as long as you stay within 20:80 Equity:Fixed and 70:30, you’re probably fine. Not critical but I don’t think most people would lump cash into fixed income though.
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 45% equity funds / 30% bond funds / 25% cash - radically changed Nov 2018
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
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Old 11-08-2019, 07:21 AM   #4
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Is your wife retiring too? What is your healthcare plan for her? If you are using an aca plan, you might want to double check your income vs subsidies for your wife.
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Old 11-08-2019, 10:35 AM   #5
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My eyeball count says seven different funds. Seems like a lot, though good job that they are all Vanguard. What is the purpose of keeping track of so many funds? For equities, your favorite mix of VTSAX andVTIAX would seem to do it or, our choice, VTWAX. I avoid unnecessary complexity or even complexity with only very small theoretical payoff.

I suggest that you run your current portfolio against some simpler ones using Portfolio Visualizer. Just look at the totals and don't worry about separating by accounts. Backtesting doesn't predict anything but you can get a very useful picture of correlations between the complex and the simple. If they are highly correlated, then personally I would ditch the extra baggage.

Re 52/48 there is no way to know whether that's a good idea or not. It depends on things like the size of your portfolio and your goals for it. People will also tell you, correctly that your risk tolerance is an important factor. This is true but IMO you will not know your risk tolerance until you have been through a serious downturn. Answering risk tolerance questionnaires on the internet while sitting in your recliner chair is IMO a waste of time.
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The various age-based AA formulas you run into are completely brain-dead. Ignore them.
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Old 11-08-2019, 08:30 PM   #6
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Originally Posted by Midpack View Post
... But your AA should be what you’re comfortable with, not what someone else would choose. History would suggest as long as you stay within 20:80 Equity:Fixed and 70:30, you’re probably fine. ....
Agree with the first part, but is 20:80 to 70:30 really equivalent? Unfortunately, I can't see the graphs anymore, FIRECALC uses some old code (Flash?) for that graph, and modern browsers no longer support it. But IIRC, it was more like the drop-offs were at 35/65 and 95/5?


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