Finally decided to post my personal situation and welcome any and all opinions.
I am a 39 yr. old man, self-employed, never married, no dependents, no debt of ANY kind. Own home outright and live in New Jersey.
I was taught right out of college to invest with Vanguard. (thanks mom)
Here is my current portfolio after my recent complimentary Flagship financial review:
Profit Sharing Plan:
Vanguard Pacific $6,000
Vanguard Total Bond Market $104,000
Vanguard Total International $ 11,000
Vanguard Small Cap Value $13,000
Vanguard Total Stock Market $88,000
Vanguard Extended Market Index $3,000
Vanguard Diversified Equity $40,000
-I no longer can contribute to the ROTH due to current income. The current ROTH is a rollover.
Taxable Individual Account:
Vanguard 500 $43,000
Vanguard Small Cap Index $7,000
Vanguard Healthcare $32,000
Vanguard Precious Metals & Mining $11,000
Vanguard STAR Fund $40,000
Vanguard Primecap $93,000
Vanguard Pacific $8,000
Vanguard Total International $88,000
Vanguard Windsor II Admiral $92,000
Vanguard Mid-Cap Index $20,000
Vanguard Small Cap Value $7,000
VanguardPrime Money Market.................$177,000 (yes, I know) I'm guilty of waiting for a big correction.
I plan on moving $100,000 to my taxable Vanguard Total Stock Market Fund (Admiral)
$77,000 would then be liquid for everday expenses. Bills, food, etc... Yes, probably STILL too much for Money Market.
After I move that 100K to Total Stock Market, I will be roughly 85% stock......15% bonds. Again, this does not include the 77K for expenses and liquidity.
I did not have to consolidate my taxable account per my vanguard advisor because of tax implications. (still balanced, however)
20% of my total stock is International
80% is Domestic
Large Cap is 79%
Mid Cap is 13%
Small Cap is 8%
My estimated net worth including my home is 1.1 million.
Just looking for some reinforcement and/or criticism.