tickgoestheclock
Confused about dryer sheets
1st time, thought I best try a new thread vs clog up someone elses. Hear goes:: Would appreciate the community input, I know there are stong feelings in the 3 fund index etc..
Wife and I are 51 today and plan to work 4 more years Retire by Jan 2018 with the target AA below,
Intent is to enjoy life off the taxible account for as long as possible with ~6% withdrawl rate on that account (Less than 4% overall)
If the taxible account strategy holds up we could delay tapping into Tax deferred and SS untill 2030 at 67 years old or even 2033 at 70 years old
I realize our AA is aggressive, untill this year we were over 90% equities (always have been) infact right now we are still 84% not including property..
I have not made the move to Wellesley yet, that 30% is still all in Midcaps (doing quite well, but also a bit risky)
I like the Vanguard Managed Funds in our Tax Deferred as long term they seem to do well, need tax effeciency in the other account so all big index funds.
If we move out of Calif-tax-ornia I will shift the Calif tax exempt muni to short term investment grade, I need it now while working as we are in the top tax bracket
$ 1,000,000 equity in 2 homes one is rental that nets $10K/yr
$ 3,000,000 equity in Vanguard expected by Jan 2018
$ 1,000,000 Tax Deferred Accounts (starting allocation, reballance yearly, shift to more Wellesley over time if confidence in bonds returns)
$ 150,000 15%VWILXVanguard International Growth: Managed can include emerging
$ 400,000 40%VWENXVanguard Wellington Fund Admiral: Managed Large / Bond blend 65/35
$ 300,000 30%VWIAXVanguard Wellesley Income Admiral: Managed Large / Bond blend 35/65
$ 150,000 15%VASVXVanguard Select Value: Managed midcap
100%
$ 2,000,000 Taxible Accounts (starting allocation, reballance yearly keeping 1 year in Prime and 4years in Muni, may increase holdings for inflation)
$ 120,000 6%VNNXXVanguard Prime Money Market (spending for current year starting 2018)
$ 480,000 24%VCAIXVanguard Calif IT tax exempt Mnui (spending for years 2-5)
$ 400,000 20%VTIAXVanguard Total International Stock Index Admiral
$ 1,000,000 50%VTSAXVanguard Total Stock Market Index Admiral
100%
Starting AA 70/30 at 55 shift to 60/40 by 60 shift to 50/50 by 70 shift to 60/40 by 80
51%US
18%InternationalCould be higher as the Wellington and Wellesly can invest international
27%Bond
4%Cash
100%
Wife and I are 51 today and plan to work 4 more years Retire by Jan 2018 with the target AA below,
Intent is to enjoy life off the taxible account for as long as possible with ~6% withdrawl rate on that account (Less than 4% overall)
If the taxible account strategy holds up we could delay tapping into Tax deferred and SS untill 2030 at 67 years old or even 2033 at 70 years old
I realize our AA is aggressive, untill this year we were over 90% equities (always have been) infact right now we are still 84% not including property..
I have not made the move to Wellesley yet, that 30% is still all in Midcaps (doing quite well, but also a bit risky)
I like the Vanguard Managed Funds in our Tax Deferred as long term they seem to do well, need tax effeciency in the other account so all big index funds.
If we move out of Calif-tax-ornia I will shift the Calif tax exempt muni to short term investment grade, I need it now while working as we are in the top tax bracket
$ 1,000,000 equity in 2 homes one is rental that nets $10K/yr
$ 3,000,000 equity in Vanguard expected by Jan 2018
$ 1,000,000 Tax Deferred Accounts (starting allocation, reballance yearly, shift to more Wellesley over time if confidence in bonds returns)
$ 150,000 15%VWILXVanguard International Growth: Managed can include emerging
$ 400,000 40%VWENXVanguard Wellington Fund Admiral: Managed Large / Bond blend 65/35
$ 300,000 30%VWIAXVanguard Wellesley Income Admiral: Managed Large / Bond blend 35/65
$ 150,000 15%VASVXVanguard Select Value: Managed midcap
100%
$ 2,000,000 Taxible Accounts (starting allocation, reballance yearly keeping 1 year in Prime and 4years in Muni, may increase holdings for inflation)
$ 120,000 6%VNNXXVanguard Prime Money Market (spending for current year starting 2018)
$ 480,000 24%VCAIXVanguard Calif IT tax exempt Mnui (spending for years 2-5)
$ 400,000 20%VTIAXVanguard Total International Stock Index Admiral
$ 1,000,000 50%VTSAXVanguard Total Stock Market Index Admiral
100%
Starting AA 70/30 at 55 shift to 60/40 by 60 shift to 50/50 by 70 shift to 60/40 by 80
51%US
18%InternationalCould be higher as the Wellington and Wellesly can invest international
27%Bond
4%Cash
100%
Last edited: