After deciding to no longer pay our DFA 0.65 to manage our accounts and after
looking at the Robo offerings from Vanguard, Betterment and Schwab I am leaning toward going it alone and moving everything to Vanguard using all Index ETF Funds. The ER of this portfolio should be about 0.10. My current portfolio ER is hovering around 0.80. Thus I will sell everything and move an this all EFT portfolio.
My target AA is 77/23 (long story) My thoughts on how to allocate this at this point is below. It will be distributed among the following available accounts and their current account values. I plan on selling the holdings in the taxable account and harvesting capital gains since I am solidly in the 15% tax bracket and thus no capital gains will be triggered.
Current Available Accounts and Current Balance:
Taxable 134k
Roth 51k
Roth (Wife) 65k
IRA Rollover 509k
Conventional IRA 3K
Simple IRA (Wife) 3k
Proposed Portfolio...Your Thoughts?
Vanguard S&P 500 ETF VFIAX 40%
Vanguard Extended Markets ETF VEXAX 27%
Vanguard Total International Stock ETF VTIAX 10%
Vanguard Total Bond Market ETF VBTLX 12%
Vanguard Total International Bond ETF VTABX 11
looking at the Robo offerings from Vanguard, Betterment and Schwab I am leaning toward going it alone and moving everything to Vanguard using all Index ETF Funds. The ER of this portfolio should be about 0.10. My current portfolio ER is hovering around 0.80. Thus I will sell everything and move an this all EFT portfolio.
My target AA is 77/23 (long story) My thoughts on how to allocate this at this point is below. It will be distributed among the following available accounts and their current account values. I plan on selling the holdings in the taxable account and harvesting capital gains since I am solidly in the 15% tax bracket and thus no capital gains will be triggered.
Current Available Accounts and Current Balance:
Taxable 134k
Roth 51k
Roth (Wife) 65k
IRA Rollover 509k
Conventional IRA 3K
Simple IRA (Wife) 3k
Proposed Portfolio...Your Thoughts?
Vanguard S&P 500 ETF VFIAX 40%
Vanguard Extended Markets ETF VEXAX 27%
Vanguard Total International Stock ETF VTIAX 10%
Vanguard Total Bond Market ETF VBTLX 12%
Vanguard Total International Bond ETF VTABX 11