tominboise
Recycles dryer sheets
My IRA allocation is listed below. I have been retired for 4 years, am 65yo, no Pension, will take SS at 70. Currently living on withdraws from a taxable brokerage account. I bought this allocation prior to retirement based on a plan suggested by a financial planner (a one time review - they are not managing this portfolio). It was more complicated but I have been simplifying it over time. For example, there were three international funds - now I am down to one.
Anyway, I am not happy with bond fund performance. I realize I should have sold them off some years ago when the ship started to sink on bond funds but followed the "buy and hold, don't time the market" strategy. I would like to sell off some or all of the intermediate term bond funds and buy actual bonds/cd's.
What are your thoughts on my allocation in this IRA? Note that this is not all of our money. My wife has her own IRA (similar allocation) and we have the aforementioned brokerage account, which is cash and stock funds. Also a small Roth that I do rollovers every year. Those rollovers will increase since I am now on medicare and not managing income to maintain an ACA subsidy.
Anyway, I am not happy with bond fund performance. I realize I should have sold them off some years ago when the ship started to sink on bond funds but followed the "buy and hold, don't time the market" strategy. I would like to sell off some or all of the intermediate term bond funds and buy actual bonds/cd's.
What are your thoughts on my allocation in this IRA? Note that this is not all of our money. My wife has her own IRA (similar allocation) and we have the aforementioned brokerage account, which is cash and stock funds. Also a small Roth that I do rollovers every year. Those rollovers will increase since I am now on medicare and not managing income to maintain an ACA subsidy.
Symbol | Total Gain/Loss Percent | Percent Of Account |
FXAIX | 74.44% | 22.45% |
VTV | 60.36% | 12.87% |
FSMAX | 32.15% | 12.65% |
VBR | 68.05% | 11.72% |
FIPDX | -0.31% | 9.75% |
FUAMX | -12.66% | 6.88% |
FUMBX | -2.60% | 6.01% |
VCSH | -4.24% | 5.88% |
VCIT | -15.74% | 5.84% |
FTIHX | 16.09% | 5.38% |
FSKAX | -2.00% | 0.29% |
SPAXX** | 0.27% |