I want second opinions/critiques & holes through our investments, Asset Allocation, any changes suggested, etc ...
We are retired, I am 65, DW is 60, our living expenses are all from our investments of $ 8 mil +,
Both kids launched, yearly conservative spend including taxes & gifts $175k, contribute to a DAF, file MFJ in 24% Tax Bracket, converted $150k in 2021, plan to do more yearly conversions till age 72, I will file for SS at age 70 & DW at 67.
No debt, a paid off $500k house.
Flagship Select at Vanguard, also some with Fidelity & Schwab, Self managed Portfolio
AA 63/37
TAX DEFERRED Both Combined - $ 2.243 k
IRA $ 1.610 k BND Total Bond Index
Roth IRA '' '' $ 545 k VTI Total Stock Market Index
IRA $ 35 k VTI Total Stock Market Index
HSA "" "" "" $ 18 k FSKAX Total Market Index
TAXABLE - Both Combined - $ 5.939 k
$ 3138 k VTI Total Stock Market Index
$ 1430 k VXUS
$ 1045 k VWIUX Tax Exempt Interm Term Bonds
$ 140 k VBIRX Short Term Bond Index
Emergency Fund - $ 186 k (I Bonds + Bank Savings)
What do you think ? any feedback is welcome, thankyou in advance.
We are retired, I am 65, DW is 60, our living expenses are all from our investments of $ 8 mil +,
Both kids launched, yearly conservative spend including taxes & gifts $175k, contribute to a DAF, file MFJ in 24% Tax Bracket, converted $150k in 2021, plan to do more yearly conversions till age 72, I will file for SS at age 70 & DW at 67.
No debt, a paid off $500k house.
Flagship Select at Vanguard, also some with Fidelity & Schwab, Self managed Portfolio
AA 63/37
TAX DEFERRED Both Combined - $ 2.243 k
IRA $ 1.610 k BND Total Bond Index
Roth IRA '' '' $ 545 k VTI Total Stock Market Index
IRA $ 35 k VTI Total Stock Market Index
HSA "" "" "" $ 18 k FSKAX Total Market Index
TAXABLE - Both Combined - $ 5.939 k
$ 3138 k VTI Total Stock Market Index
$ 1430 k VXUS
$ 1045 k VWIUX Tax Exempt Interm Term Bonds
$ 140 k VBIRX Short Term Bond Index
Emergency Fund - $ 186 k (I Bonds + Bank Savings)
What do you think ? any feedback is welcome, thankyou in advance.