First off, I want to thank everyone that has responded to my previous aa requests. It's been extremely helpful. Now that I've let it set over the last couple of weeks, I think I finally have %'s and assets that I'm comfortable with.
For starters, my equity/bond allocation is 90/10.
For bonds, I'll split evenly between Vanguard Total Bonds (VBMFX) and Vanguard TIPS (VIPSX).
For equities, I'm 60/40 domestic/international.
Domestic:
15% - S&P500 Index
15% - Large Cap Value
10% - Small Cap
10% - Small Cap Value
10% - REITS
International:
8% - Europe (VGK)
8% - Pacific (VPL)
8% - EM (VWO)
8% - Large Cap Value (EFV)
8% - Small Cap (iShares ETF once it's out)
Keep in mind that the 100% total for equities is a 100% of 90%. I found it easier in my planning to keep the equity percentage separate from the bond.
Thanks for any feedback!
For starters, my equity/bond allocation is 90/10.
For bonds, I'll split evenly between Vanguard Total Bonds (VBMFX) and Vanguard TIPS (VIPSX).
For equities, I'm 60/40 domestic/international.
Domestic:
15% - S&P500 Index
15% - Large Cap Value
10% - Small Cap
10% - Small Cap Value
10% - REITS
International:
8% - Europe (VGK)
8% - Pacific (VPL)
8% - EM (VWO)
8% - Large Cap Value (EFV)
8% - Small Cap (iShares ETF once it's out)
Keep in mind that the 100% total for equities is a 100% of 90%. I found it easier in my planning to keep the equity percentage separate from the bond.
Thanks for any feedback!