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Thoughts on this portfolio
01-28-2009, 04:21 PM
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#1
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Recycles dryer sheets
Join Date: Aug 2004
Posts: 85
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Thoughts on this portfolio
It's been a while since I've posted. I hope everyone is doing well.
I'm looking to simplify my portfolio so that I can simply focus on growing my business. I would like a portfolio where I can just simply contribute money monthly and keep the rebalancing to a minimum.
At this point I'm thinking:
95% of my money in VWELX
5% in VIPSX
I have my 3 months of expenses stashed away in a MM. Any extra cash I have above and beyond that it saved until I hit a dollar amount, and then it goes into the best CD for me at that time.
I do have some exposure to real estate in the form of a triplex rental property, so I think that eliminates my need to own the REIT index (or does it?).
And, finally, because it's going to be asked: 31 years old, no dependents.
Thanks for you time.
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01-28-2009, 04:50 PM
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#2
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Dec 2008
Location: On a hill in the Pine Barrens
Posts: 9,722
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This would all be in taxable?
Do you have a Roth?
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01-28-2009, 05:02 PM
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#3
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Recycles dryer sheets
Join Date: Aug 2004
Posts: 85
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About 80% of this money is tax-deferred (solo 401k, IRA, Roth IRA). So as of right now 20% of this money is "taxable" and of course I'm looking to grow that pot.
I have both a Roth and a regular IRA. Depends on the year whether I'm in Roth IRA land or regular IRA land.
Thanks again.
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01-28-2009, 05:17 PM
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#4
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,022
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 Quote:
Originally Posted by LRAO
... and of course I'm looking to grow that pot.
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I sure hope you live in California... 
__________________
Numbers is hard
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01-28-2009, 05:53 PM
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#5
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2008
Location: No fixed abode
Posts: 8,765
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Or near me. 
__________________
"Good judgment comes from experience. Experience comes from bad judgement." - Anonymous (not Will Rogers or Sam Clemens)
DW and I - FIREd at 50 (7/06), living off assets
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01-28-2009, 05:56 PM
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#6
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Oct 2005
Location: North Oregon Coast
Posts: 16,483
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A little Humboldt Gold, perhaps?
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)
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01-28-2009, 06:15 PM
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#7
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2007
Posts: 14,328
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Since Wellington is composed of both stocks and bonds, it would be more tax efficient to have the 20% taxable portion in just stock index funds. (You don't want bonds in a taxable account because they are taxed at a higher rate than stock capital gains and dividends)
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01-29-2009, 07:51 AM
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#8
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Recycles dryer sheets
Join Date: Jan 2008
Posts: 277
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You might consider just going with one of the target retirement funds in your tax deferred accounts and something like TSM in your taxable. You don't really need additional REIT exposure.
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01-30-2009, 12:00 PM
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#9
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Recycles dryer sheets
Join Date: Aug 2004
Posts: 85
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Follow up:
I can't find any information as to whether Wellington would satisfy my desire for some international exposure.
As it stands right now, I looking at breaking it up as such:
80% Wellington
10% Tax-Managed TSM in my taxable account
10% TIPS
Thanks again.
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01-30-2009, 03:50 PM
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#11
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2007
Posts: 14,328
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Quote:
Originally Posted by LRAO
Follow up:
I can't find any information as to whether Wellington would satisfy my desire for some international exposure.
As it stands right now, I looking at breaking it up as such:
80% Wellington
10% Tax-Managed TSM in my taxable account
10% TIPS
Thanks again.
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Does this leave you with bonds in a taxable account?
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