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Space Mountain · 10-30-2007, 06:23 PM

Hi everybody:

Finally decided to post my personal situation and welcome any and all opinions.

I am a 39 yr. old man, self-employed, never married, no dependents, no debt of ANY kind. Own home outright and live in New Jersey.

I was taught right out of college to invest with Vanguard. (thanks mom)

Here is my current portfolio after my recent complimentary Flagship financial review:

Profit Sharing Plan:

Vanguard Pacific $6,000
Vanguard Total Bond Market $104,000
Vanguard Total International $ 11,000
Vanguard Small Cap Value $13,000

ROTH IRA:

Vanguard Total Stock Market $88,000
Vanguard Extended Market Index $3,000
Vanguard Diversified Equity $40,000

-I no longer can contribute to the ROTH due to current income. The current ROTH is a rollover.

Taxable Individual Account:

Vanguard 500 $43,000
Vanguard Small Cap Index $7,000
Vanguard Healthcare $32,000
Vanguard Precious Metals & Mining $11,000
Vanguard STAR Fund $40,000
Vanguard Primecap $93,000
Vanguard Pacific $8,000
Vanguard Total International $88,000
Vanguard Windsor II Admiral $92,000
Vanguard Mid-Cap Index $20,000
Vanguard Small Cap Value $7,000

VanguardPrime Money Market.................$177,000 (yes, I know) I'm guilty of waiting for a big correction.

I plan on moving $100,000 to my taxable Vanguard Total Stock Market Fund (Admiral)

$77,000 would then be liquid for everday expenses. Bills, food, etc... Yes, probably STILL too much for Money Market.

After I move that 100K to Total Stock Market, I will be roughly 85% stock......15% bonds. Again, this does not include the 77K for expenses and liquidity.

I did not have to consolidate my taxable account per my vanguard advisor because of tax implications. (still balanced, however)

20% of my total stock is International
80% is Domestic

Large Cap is 79%
Mid Cap is 13%
Small Cap is 8%

My estimated net worth including my home is 1.1 million.

Just looking for some reinforcement and/or criticism.

Thanks all!!!

10-30-2007, 06:23 PM	#1
Space Mountain Dryer sheet aficionado Join Date: Jul 2007 Posts: 26	Hi everybody: Finally decided to post my personal situation and welcome any and all opinions. I am a 39 yr. old man, self-employed, never married, no dependents, no debt of ANY kind. Own home outright and live in New Jersey. I was taught right out of college to invest with Vanguard. (thanks mom) Here is my current portfolio after my recent complimentary Flagship financial review: Profit Sharing Plan: Vanguard Pacific $6,000 Vanguard Total Bond Market $104,000 Vanguard Total International $ 11,000 Vanguard Small Cap Value $13,000 ROTH IRA: Vanguard Total Stock Market $88,000 Vanguard Extended Market Index $3,000 Vanguard Diversified Equity $40,000 -I no longer can contribute to the ROTH due to current income. The current ROTH is a rollover. Taxable Individual Account: Vanguard 500 $43,000 Vanguard Small Cap Index $7,000 Vanguard Healthcare $32,000 Vanguard Precious Metals & Mining $11,000 Vanguard STAR Fund $40,000 Vanguard Primecap $93,000 Vanguard Pacific $8,000 Vanguard Total International $88,000 Vanguard Windsor II Admiral $92,000 Vanguard Mid-Cap Index $20,000 Vanguard Small Cap Value $7,000 VanguardPrime Money Market.................$177,000 (yes, I know) I'm guilty of waiting for a big correction. I plan on moving $100,000 to my taxable Vanguard Total Stock Market Fund (Admiral) $77,000 would then be liquid for everday expenses. Bills, food, etc... Yes, probably STILL too much for Money Market. After I move that 100K to Total Stock Market, I will be roughly 85% stock......15% bonds. Again, this does not include the 77K for expenses and liquidity. I did not have to consolidate my taxable account per my vanguard advisor because of tax implications. (still balanced, however) 20% of my total stock is International 80% is Domestic Large Cap is 79% Mid Cap is 13% Small Cap is 8% My estimated net worth including my home is 1.1 million. Just looking for some reinforcement and/or criticism. Thanks all!!!