Following up five years later on my previous portfolio review when I was ~10 years out from retirement:
viewtopic.php?t=286123
My main questions have to do with how to increase my bond allocation given the available options in
our 401k's (see below), but I'm also interested in suggestions on how to simplify or improve the portfolio.
Emergency funds: Yes, ~12 months of expenses
Debt: None
Tax Filing Status: Married Filing Jointly
Tax Rate: 37% Federal, 4.75% State
State of Residence: NC
Age: 59 him, 57 her
Desired Asset allocation: 65% stocks / 35% bonds/fixed
Desired International allocation: 20% of stocks
Current retirement portfolio: $8M+ (excludes our home, 529s, HSAs, emergency fund)
Current retirement assets
Taxable
9.9% Fidelity Gov MM Premium (FZCXX) (0.32% ER)
18.3% Fidelity Total Market Index (FSKAX) (0.015% ER)
7.3% Fidelity Zero Int'l Index (FZILX) (0.0% ER)
14.6% NVIDIA (NVDA)
His 401k
15.7% Dodge & Cox Income X (DOXIX) (0.33% ER)
His in-plan Roth 401k
1.1% Vanguard Inst 500 Index (N/A) (0.015% ER)
His Roth IRA at Fidelity
15.1% Fidelity ZERO Total Market Index (FZROX) (0.0% ER)
Her 401k
3.1% Fidelity 500 Index (FXAIX) (0.015% ER)
3.0% Fidelity Diversified International Pool (N/A) (0.58%)
6.4% MetWest Total Return Bond - Class C (N/A) (0.3%)
Company match?
Her Roth IRA at Fidelity
5.6% Fidelity ZERO Total Market Index (FZROX) (0.0% ER)
Current portfolio AA
57.8% US equity (target is 52%)
10.3% int'l equity (target is 13%)
22.0% bonds (target for bonds+cash is 35%)
9.9% cash
_______________________________________________________________
Contributions
New annual Contributions
$42K his 401k, (includes match+catch-up contributions)
- all going into Dodge & Cox Income X
$34.5K his after-tax 401k, converted in-plan to Roth 401k
- all going into Vanguard Inst 500 Index
$8K his backdoor Roth IRA
- all going into Fidelity ZERO Total Market Index
$8K her backdoor Roth IRA
- all going into Fidelity ZERO Total Market Index
Available funds
Funds available in his 401(k)
FID CONTRA POOL CL AStock InvestmentsLarge Cap0.43%
JPMCB US ACT CRE CFAStock InvestmentsLarge Cap0.34%
VANG EQUITY INC ADM (VEIRX) Stock InvestmentsLarge Cap0.18%
VANG INST 500 IDX TRStock InvestmentsLarge Cap0.015%
VANG EXT MKT IDX TRStock InvestmentsMid-Cap0.035%
VANG STRATEGIC EQ (VSEQX)Stock InvestmentsMid-Cap0.17%
VANG TOT INT STK IDXStock InvestmentsInternational0.07%
WT INTL OPPS 4 Stock InvestmentsInternational0.56%
TRP RETIRE 2030 CBlended Fund InvN/A0.34%
TRP RETIRE 2035 CBlended Fund InvN/A0.34%
MIP II CL 4 Bond InvestmentsStable Value0.29%
DODGE & COX INCOME X (DOXIX) Bond InvestmentsIncome0.36%
SS US BOND INDX XIV Bond InvestmentsN/A0.022%
BROKERAGELINK
Funds available in her 401(k)
FID 500 INDEX (FXAIX)Stock InvestmentsLarge Cap0.015%
JPM LG CP GRTH CF-AStock InvestmentsLarge Cap0.4%
VANG WINDSOR II ADM (VWNAX)Stock InvestmentsLarge Cap0.26%
SS RSL SMMDCP IDX IIStock InvestmentsMid-Cap0.022%
AB US SMMDCP VAL P-2Stock InvestmentsSmall Cap0.7%
VANG EXPLORER ADM (VEXRX)Stock InvestmentsSmall Cap0.34%
FID DIV INTL PL CL AStock InvestmentsInternational0.58%
SS GACEQ EXUS IDX IIStock InvestmentsInternational0.056%
VANGUARD INTL VALUE (VTRIX)Stock InvestmentsInternational0.38%
VANGUARD TARGET 2030Blended Fund InvN/A0.065%
VANGUARD TARGET 2035Blended Fund InvN/A0.065%
INVESCO STBL VAL B1Bond InvestmentsStable Value0.31%
State Street US BOND INDX XIVBond InvestmentsIncome0.022%
MetWest Total Ret Bond-Class CBond InvestmentsIncome0.3%
Questions:
1. I've been selling ~10% of NVIDIA holdings each month, buying us/int'l funds in taxable, and
exchanging equity funds for bond funds in my 401k. Now that I've hit 100% of my 401k in
Dodge & Cox Income, I'm less certain about proceeding with increasing bonds in her 401k.
Are the bond options in her 401k acceptable, or should I consider other options such as munis
in taxable?
2. In my 401k, I believe I can use the BrokerageLink option to access additional investment
options. Is it worth looking at other bond options (maybe individual bonds) through the
BrokerageLink option? Or just continue with Dodge & Cox Income? I like simplicity of the
current approach.
Thanks!
viewtopic.php?t=286123
My main questions have to do with how to increase my bond allocation given the available options in
our 401k's (see below), but I'm also interested in suggestions on how to simplify or improve the portfolio.
Emergency funds: Yes, ~12 months of expenses
Debt: None
Tax Filing Status: Married Filing Jointly
Tax Rate: 37% Federal, 4.75% State
State of Residence: NC
Age: 59 him, 57 her
Desired Asset allocation: 65% stocks / 35% bonds/fixed
Desired International allocation: 20% of stocks
Current retirement portfolio: $8M+ (excludes our home, 529s, HSAs, emergency fund)
Current retirement assets
Taxable
9.9% Fidelity Gov MM Premium (FZCXX) (0.32% ER)
18.3% Fidelity Total Market Index (FSKAX) (0.015% ER)
7.3% Fidelity Zero Int'l Index (FZILX) (0.0% ER)
14.6% NVIDIA (NVDA)
His 401k
15.7% Dodge & Cox Income X (DOXIX) (0.33% ER)
His in-plan Roth 401k
1.1% Vanguard Inst 500 Index (N/A) (0.015% ER)
His Roth IRA at Fidelity
15.1% Fidelity ZERO Total Market Index (FZROX) (0.0% ER)
Her 401k
3.1% Fidelity 500 Index (FXAIX) (0.015% ER)
3.0% Fidelity Diversified International Pool (N/A) (0.58%)
6.4% MetWest Total Return Bond - Class C (N/A) (0.3%)
Company match?
Her Roth IRA at Fidelity
5.6% Fidelity ZERO Total Market Index (FZROX) (0.0% ER)
Current portfolio AA
57.8% US equity (target is 52%)
10.3% int'l equity (target is 13%)
22.0% bonds (target for bonds+cash is 35%)
9.9% cash
_______________________________________________________________
Contributions
New annual Contributions
$42K his 401k, (includes match+catch-up contributions)
- all going into Dodge & Cox Income X
$34.5K his after-tax 401k, converted in-plan to Roth 401k
- all going into Vanguard Inst 500 Index
$8K his backdoor Roth IRA
- all going into Fidelity ZERO Total Market Index
$8K her backdoor Roth IRA
- all going into Fidelity ZERO Total Market Index
Available funds
Funds available in his 401(k)
FID CONTRA POOL CL AStock InvestmentsLarge Cap0.43%
JPMCB US ACT CRE CFAStock InvestmentsLarge Cap0.34%
VANG EQUITY INC ADM (VEIRX) Stock InvestmentsLarge Cap0.18%
VANG INST 500 IDX TRStock InvestmentsLarge Cap0.015%
VANG EXT MKT IDX TRStock InvestmentsMid-Cap0.035%
VANG STRATEGIC EQ (VSEQX)Stock InvestmentsMid-Cap0.17%
VANG TOT INT STK IDXStock InvestmentsInternational0.07%
WT INTL OPPS 4 Stock InvestmentsInternational0.56%
TRP RETIRE 2030 CBlended Fund InvN/A0.34%
TRP RETIRE 2035 CBlended Fund InvN/A0.34%
MIP II CL 4 Bond InvestmentsStable Value0.29%
DODGE & COX INCOME X (DOXIX) Bond InvestmentsIncome0.36%
SS US BOND INDX XIV Bond InvestmentsN/A0.022%
BROKERAGELINK
Funds available in her 401(k)
FID 500 INDEX (FXAIX)Stock InvestmentsLarge Cap0.015%
JPM LG CP GRTH CF-AStock InvestmentsLarge Cap0.4%
VANG WINDSOR II ADM (VWNAX)Stock InvestmentsLarge Cap0.26%
SS RSL SMMDCP IDX IIStock InvestmentsMid-Cap0.022%
AB US SMMDCP VAL P-2Stock InvestmentsSmall Cap0.7%
VANG EXPLORER ADM (VEXRX)Stock InvestmentsSmall Cap0.34%
FID DIV INTL PL CL AStock InvestmentsInternational0.58%
SS GACEQ EXUS IDX IIStock InvestmentsInternational0.056%
VANGUARD INTL VALUE (VTRIX)Stock InvestmentsInternational0.38%
VANGUARD TARGET 2030Blended Fund InvN/A0.065%
VANGUARD TARGET 2035Blended Fund InvN/A0.065%
INVESCO STBL VAL B1Bond InvestmentsStable Value0.31%
State Street US BOND INDX XIVBond InvestmentsIncome0.022%
MetWest Total Ret Bond-Class CBond InvestmentsIncome0.3%
Questions:
1. I've been selling ~10% of NVIDIA holdings each month, buying us/int'l funds in taxable, and
exchanging equity funds for bond funds in my 401k. Now that I've hit 100% of my 401k in
Dodge & Cox Income, I'm less certain about proceeding with increasing bonds in her 401k.
Are the bond options in her 401k acceptable, or should I consider other options such as munis
in taxable?
2. In my 401k, I believe I can use the BrokerageLink option to access additional investment
options. Is it worth looking at other bond options (maybe individual bonds) through the
BrokerageLink option? Or just continue with Dodge & Cox Income? I like simplicity of the
current approach.
Thanks!
Statistics: Posted by cipher — Thu Feb 29, 2024 4:56 pm — Replies 0 — Views 33