livingalmostlarge
Recycles dryer sheets
- Joined
- Feb 8, 2014
- Messages
- 330
age 38 and 40. MFJ with 2 kids 8 and 5. We have 6+month EF cash. Actually right now very cash heavy. We are about to spend down the cash and have about $50-75k to invest more in taxable accounts. Our portfolio is low 7 figures. Both our kids have college funds(coverdell esa) invested 100% in VTI about $30k and $20k respectively.
Tax rate 34%-37% in 2018
Desired AA: 90/10%
I have 78% Retirement and 22% in taxable accounts
22% Taxable is subdivided
60% Cash
Biogen BIIB 14%
ishare mid Cap ETF IJH 6.5%
Vanguard Small Cap ETF VBR 6 %
vanguard developed markets ETF VEA 5%
Vanguard Total Stock market ETF 7.2%
77% Retirement is split between
401k 51% of total the holdings below
Vangaurd Target 2035 Investor Shares VTTHX 23.84% total
Vanguard Institutional Index Investor Shares VINIX 12.98%
Vanguard Emerging Market Index Investor Shares VEMAX .96%
Vanguard REIT Index Investor Shares VGSNX .81%
Vanguard Extended Market Index Investor Shares VIEIX 12.52%
DH Roth IRA 34.28% of retirement assets and holdings below
Goog 1.83%
googl 1.84%
ishares mid-cap index IJH .64%
ishares small-cap index IJS 5.59%
intel INTC 2.33%
paypal PYPL 1.81%
spider russell 2000 SPSM .77%
Vanguard REIT ETF VNQ 1.65%
Vanguard Total Stock ETF VTI 16.43%
Vanguard high dividend ETF VYM 1.39%
LAL Roth IRA 14.62% of Retirement assets, holdings below
Disney DIS 3.11%
ishares mid-cap ETF IJH 4.20%
Vanguard total stock etf VTI 6.20%
Vanguard Emerging Markets ETF VWO 0.87%
DH 401k options
DFA US LG CAP VAL (DFLVX)
FID CONTRAFUND K (FCNKX)
VANGUARD INST INDEX (VINIX)
VANG EXT MKT IDX INS (VIEIX)
JPM SM CAP GROWTH R6 (JGSMX)
VANG EM STK IDX ADM (VEMAX)
VANG INTL GROWTH ADM (VWILX)
VANG TOT INTL STK IS (VTSNX)
VANG REIT IDX INST (VGSNX)
TRP INTL VALUE EQ I (TRTIX)
VANGUARD TARGET 2015
VANGUARD TARGET 2020
VANGUARD TARGET 2025
VANGUARD TARGET 2030
VANGUARD TARGET 2035
VANGUARD TARGET 2040
VANGUARD TARGET 2045
VANGUARD TARGET 2050
VANGUARD TARGET 2055
VANGUARD TARGET 2060
VANGUARD TARGET 2065
VANGUARD TARGET RET Fund
PIM TOTAL RT INST (PTTRX)
VANG TOT BD MKT INST (VBTIX)
I'm trying to simplify my investments. I understand the 3 fund, but I think I'm active enough to want something a little more diversified. Right now we aren't into becoming landlords. This mess started when I had my first child and allowed my DH free rein to play with our money. I used to be only into etfs/index funds until 2010. Then he tried to make money from investing in individual stocks and 2 years ago he gave up. I finally have time to streamline our finances more. I've been a bit complacent I admit.
Suggestions on streamlining to maybe 10 etfs/stocks. I'm happy to watch and rebalance. However right now I'm leaning to leaving the individual stocks alone because they amount to 11% of our portfolio and just moving other stuff. I'm also wanting to leave our taxable account alone for now because I have to be care with tax harvesting. I need less overlap and less things to balance and watch. It's a mess because of my DH.
No we aren't ER anytime soon. DH plans to work 15 more years until the youngest is done with college. FWIW, i just see us more as FI than ER. We've always been more FI then ER and we like it well enough. When he decides to say FU he does. So no plans to RE right now.
Tax rate 34%-37% in 2018
Desired AA: 90/10%
I have 78% Retirement and 22% in taxable accounts
22% Taxable is subdivided
60% Cash
Biogen BIIB 14%
ishare mid Cap ETF IJH 6.5%
Vanguard Small Cap ETF VBR 6 %
vanguard developed markets ETF VEA 5%
Vanguard Total Stock market ETF 7.2%
77% Retirement is split between
401k 51% of total the holdings below
Vangaurd Target 2035 Investor Shares VTTHX 23.84% total
Vanguard Institutional Index Investor Shares VINIX 12.98%
Vanguard Emerging Market Index Investor Shares VEMAX .96%
Vanguard REIT Index Investor Shares VGSNX .81%
Vanguard Extended Market Index Investor Shares VIEIX 12.52%
DH Roth IRA 34.28% of retirement assets and holdings below
Goog 1.83%
googl 1.84%
ishares mid-cap index IJH .64%
ishares small-cap index IJS 5.59%
intel INTC 2.33%
paypal PYPL 1.81%
spider russell 2000 SPSM .77%
Vanguard REIT ETF VNQ 1.65%
Vanguard Total Stock ETF VTI 16.43%
Vanguard high dividend ETF VYM 1.39%
LAL Roth IRA 14.62% of Retirement assets, holdings below
Disney DIS 3.11%
ishares mid-cap ETF IJH 4.20%
Vanguard total stock etf VTI 6.20%
Vanguard Emerging Markets ETF VWO 0.87%
DH 401k options
DFA US LG CAP VAL (DFLVX)
FID CONTRAFUND K (FCNKX)
VANGUARD INST INDEX (VINIX)
VANG EXT MKT IDX INS (VIEIX)
JPM SM CAP GROWTH R6 (JGSMX)
VANG EM STK IDX ADM (VEMAX)
VANG INTL GROWTH ADM (VWILX)
VANG TOT INTL STK IS (VTSNX)
VANG REIT IDX INST (VGSNX)
TRP INTL VALUE EQ I (TRTIX)
VANGUARD TARGET 2015
VANGUARD TARGET 2020
VANGUARD TARGET 2025
VANGUARD TARGET 2030
VANGUARD TARGET 2035
VANGUARD TARGET 2040
VANGUARD TARGET 2045
VANGUARD TARGET 2050
VANGUARD TARGET 2055
VANGUARD TARGET 2060
VANGUARD TARGET 2065
VANGUARD TARGET RET Fund
PIM TOTAL RT INST (PTTRX)
VANG TOT BD MKT INST (VBTIX)
I'm trying to simplify my investments. I understand the 3 fund, but I think I'm active enough to want something a little more diversified. Right now we aren't into becoming landlords. This mess started when I had my first child and allowed my DH free rein to play with our money. I used to be only into etfs/index funds until 2010. Then he tried to make money from investing in individual stocks and 2 years ago he gave up. I finally have time to streamline our finances more. I've been a bit complacent I admit.
Suggestions on streamlining to maybe 10 etfs/stocks. I'm happy to watch and rebalance. However right now I'm leaning to leaving the individual stocks alone because they amount to 11% of our portfolio and just moving other stuff. I'm also wanting to leave our taxable account alone for now because I have to be care with tax harvesting. I need less overlap and less things to balance and watch. It's a mess because of my DH.
No we aren't ER anytime soon. DH plans to work 15 more years until the youngest is done with college. FWIW, i just see us more as FI than ER. We've always been more FI then ER and we like it well enough. When he decides to say FU he does. So no plans to RE right now.
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