I started my annual re-balancing, and I thought I would run this past the experts here for feedback. Keep in mind my investing style is moderately aggressive. Currently, I plan to FIRE in 5 years (95% probability). The main change is that I am increasing my international and bond exposure, and reducing my US large cap exposure.
Current
Large Cap - 40.5% (Vngd 500 Index and Vngd Tax-Managed Capital Appreciation)
Mid Cap – 14.4% (Vngd Mid-Cap Index)
Small Cap – 18.0% (Vngd Small-Cap Index and Vngd Tax-Managed Small-Cap)
REIT – 9.8% (Vngd REIT Index)
International Developed – 7.1% (Vngd Developed Mks Index and Vngd Tax-Man Intl)
International Developing – 1.0% (Vngd Emerging Markets Stock Index)
Bonds – 3.8% Vngd Short-Term Treasury and Vngd Intermediate-Term Treasury)
Cash – 5.2% (Bank and Vngd Treasury Money Market)
Proposed
Large Cap – 30% (Vngd 500 Index and Vngd Tax-Managed Capital Appreciation)
Mid Cap – 15% (Vngd Mid-Cap Index)
Small Cap – 15% (Vngd Small-Cap Index and Vngd Tax-Managed Small-Cap)
REIT – 10% (Vngd REIT Index)
International Developed – 10% (Vngd Developed Mks Index and Vngd Tax-Man Intl)
International Developing – 5% (Vngd Emerging Markets Stock Index)
Bonds – 10% Vngd Short-Term Treasury and Vngd Intermediate-Term Treasury)
Cash – 5% (Bank and Vngd Treasury Money Market)
In additional to this portfolio, I hold stock in a professional partnership worth 8% of my total equity+bond+cash portfolio. This stock is not liquid, as it is cashed out over 5 years (20%/year) when I sell/quit. Thanks for you feedback, I get a lot of good ideas from this forum. Fire Away!
Current
Large Cap - 40.5% (Vngd 500 Index and Vngd Tax-Managed Capital Appreciation)
Mid Cap – 14.4% (Vngd Mid-Cap Index)
Small Cap – 18.0% (Vngd Small-Cap Index and Vngd Tax-Managed Small-Cap)
REIT – 9.8% (Vngd REIT Index)
International Developed – 7.1% (Vngd Developed Mks Index and Vngd Tax-Man Intl)
International Developing – 1.0% (Vngd Emerging Markets Stock Index)
Bonds – 3.8% Vngd Short-Term Treasury and Vngd Intermediate-Term Treasury)
Cash – 5.2% (Bank and Vngd Treasury Money Market)
Proposed
Large Cap – 30% (Vngd 500 Index and Vngd Tax-Managed Capital Appreciation)
Mid Cap – 15% (Vngd Mid-Cap Index)
Small Cap – 15% (Vngd Small-Cap Index and Vngd Tax-Managed Small-Cap)
REIT – 10% (Vngd REIT Index)
International Developed – 10% (Vngd Developed Mks Index and Vngd Tax-Man Intl)
International Developing – 5% (Vngd Emerging Markets Stock Index)
Bonds – 10% Vngd Short-Term Treasury and Vngd Intermediate-Term Treasury)
Cash – 5% (Bank and Vngd Treasury Money Market)
In additional to this portfolio, I hold stock in a professional partnership worth 8% of my total equity+bond+cash portfolio. This stock is not liquid, as it is cashed out over 5 years (20%/year) when I sell/quit. Thanks for you feedback, I get a lot of good ideas from this forum. Fire Away!