I'd appreciate any suggestions for how to swap my portfolio of ETFs (below) with a sensible similarly-diversified portfolio of stocks and bonds.
US Large Stock-----------------------------15%--------------- VTI
International Large Stock------------------30%--------------- VEU
International Small Value Stock------------9%--------------- VSS
US Small Value Stock-----------------------6%--------------- VBR
US REIT---------------------------------------5%--------------- VNQ
Corporate / Total Bonds------------------- 14%-------------- BND
Inflation-Prot. Bonds/Treasuries/Gilts---- 21%-------------- TIP
(With most of the BND and TIP held in Tax Deferred Accounts.).
[I'm reluctantly doing this because going forward I can't hold USA ETFs or Mutual Funds as their dividends and cap gains will be taxed at my residence in UK at high "income tax" rates (20% or 40%). And even more importantly I would not be able to do "tax loss harvesting" (cap gain losses would not be allowed to offset gains as it would all be regarded as income). The US/UK DTT does not help here BTW.]
- which stocks and bonds should I own?
- how should I pick them?
- how should I rebalance?
- how many holdings are realistic?
My aim is to be as long-term focused and as hands-off as possible.
Thanks for any pointers you can give.
US Large Stock-----------------------------15%--------------- VTI
International Large Stock------------------30%--------------- VEU
International Small Value Stock------------9%--------------- VSS
US Small Value Stock-----------------------6%--------------- VBR
US REIT---------------------------------------5%--------------- VNQ
Corporate / Total Bonds------------------- 14%-------------- BND
Inflation-Prot. Bonds/Treasuries/Gilts---- 21%-------------- TIP
(With most of the BND and TIP held in Tax Deferred Accounts.).
[I'm reluctantly doing this because going forward I can't hold USA ETFs or Mutual Funds as their dividends and cap gains will be taxed at my residence in UK at high "income tax" rates (20% or 40%). And even more importantly I would not be able to do "tax loss harvesting" (cap gain losses would not be allowed to offset gains as it would all be regarded as income). The US/UK DTT does not help here BTW.]
- which stocks and bonds should I own?
- how should I pick them?
- how should I rebalance?
- how many holdings are realistic?
My aim is to be as long-term focused and as hands-off as possible.
Thanks for any pointers you can give.