Dr.Crusher
Dryer sheet wannabe
Hi ER, It's been a few weeks.
I've been meaning to get my retirement bucket set-up in Ameritrade but the markets got a little nutty and I decided to step back and take a little break from the headlines.
So what do you think of this portfolio? (This is just for retirement which is 25+ years away.)
64% US Equities
(Mix of IVV, IWM and IWV in a taxed account. I know the Russel 3000 and S&P500 ETFs are redundant but I'm reluctant to sell and pay taxes).
11% International Equities (in taxed account)
(I'm thinking about buying Vanguard Total International Stock (VGTSX I think) to minimize the number of funds we own and need to rebalance).
25% Bonds (in taxed and untaxed accounts, I'll shelter as much as I can) I'm thinking about going with Vanguard Total Bond Market (BND) to keep things simple. One bond fund to rule them all.
If you are interested this is what we actually own right now:
64% US Equities (see above)
5% Oregon Muni Fund. I didn't pick it and I am thinking of selling it as we now live in California where it is taxed. The expense ratio is kind of high.
16% Cash from old-school mutual funds with high expense ratios that we have finally extracted and transferred to Ameritrade.
~15% IRA that is currently in some balanced fund with a high expense ratio.
As always, thanks!
I've been meaning to get my retirement bucket set-up in Ameritrade but the markets got a little nutty and I decided to step back and take a little break from the headlines.
So what do you think of this portfolio? (This is just for retirement which is 25+ years away.)
64% US Equities
(Mix of IVV, IWM and IWV in a taxed account. I know the Russel 3000 and S&P500 ETFs are redundant but I'm reluctant to sell and pay taxes).
11% International Equities (in taxed account)
(I'm thinking about buying Vanguard Total International Stock (VGTSX I think) to minimize the number of funds we own and need to rebalance).
25% Bonds (in taxed and untaxed accounts, I'll shelter as much as I can) I'm thinking about going with Vanguard Total Bond Market (BND) to keep things simple. One bond fund to rule them all.
If you are interested this is what we actually own right now:
64% US Equities (see above)
5% Oregon Muni Fund. I didn't pick it and I am thinking of selling it as we now live in California where it is taxed. The expense ratio is kind of high.
16% Cash from old-school mutual funds with high expense ratios that we have finally extracted and transferred to Ameritrade.
~15% IRA that is currently in some balanced fund with a high expense ratio.
As always, thanks!