Silverlocks
Confused about dryer sheets
- Joined
- Jan 28, 2015
- Messages
- 7
62, retired, living off IRAs. Getting out of a fee-based acct, mainly due to the fact most holdings are Vanguard. Deciding which is best--transfer in kind all holdings, then add 4 Vanguard funds, or liquidate and invest all in Vanguard recommended 4 funds:
Fee Based (not sure why there are so many Vanguard account breakouts):
5% Cash
3% Mutual Fund FPACX FPA Crescent
4% IEF Ishares 7-10 yr treasuries
10% IEI Ishares 3-7 yr treasuries
4% IJH Ishares core S&P mid
10% Mutual Fund MWCIX Metropolitan West
3% PKW Powershares Dynamic
7% SFLNX Schwab US Large
5% SCHD Schwab US Dividend
1% DXJ Wisdomtree Japan Hedged
1% HEDJ Wisdomtree Trust
5% VEU Vanguard All World
7% VUG Vanguard Growth
1% VGT Vanguard IT
3% VCIT Vanguard Intermediate
5% VV Vanguard Large Cap
8% VCSH Vanguard Short Term Corp
19% BND Vanguard Total Bond
vs
14% VTI Vanguard US Stocks
6% VXUS Vanguard Foreign Stocks
45% BND Vanguard Total Bond
5% BNDX Vanguard Foreign Bonds
30% Cash/Short Term
Fee Based (not sure why there are so many Vanguard account breakouts):
5% Cash
3% Mutual Fund FPACX FPA Crescent
4% IEF Ishares 7-10 yr treasuries
10% IEI Ishares 3-7 yr treasuries
4% IJH Ishares core S&P mid
10% Mutual Fund MWCIX Metropolitan West
3% PKW Powershares Dynamic
7% SFLNX Schwab US Large
5% SCHD Schwab US Dividend
1% DXJ Wisdomtree Japan Hedged
1% HEDJ Wisdomtree Trust
5% VEU Vanguard All World
7% VUG Vanguard Growth
1% VGT Vanguard IT
3% VCIT Vanguard Intermediate
5% VV Vanguard Large Cap
8% VCSH Vanguard Short Term Corp
19% BND Vanguard Total Bond
vs
14% VTI Vanguard US Stocks
6% VXUS Vanguard Foreign Stocks
45% BND Vanguard Total Bond
5% BNDX Vanguard Foreign Bonds
30% Cash/Short Term