Personal Investments • How's my portfolio looking?

It's been a while, wanted to run this past the experts here to see what you think of my portfolio, and if there's anything I can do to improve it. Let me know if I need to add any more info. Thanks!
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Emergency funds: $25,000
Debt: Credit cards, varies from month to month, no more than $2,000 total during the past 12 months
Tax Filing Status: Single
Tax Rate: 24% Federal, 9.3% State
Cash on hand: approx. $90k (savings account)
State of Residence: California
Age: 47

Desired Asset allocation: 60% stocks / 40% bonds
Desired International allocation: 20% of stocks

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Current retirement assets:

Federal TSP: $435k
Schwab: $258k

Expected additional assets:
- Military retirement (available at age 60)
- Federal Civilian retirement (available at age 60-ish)

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Breakdown:

Med/Large Companies:
C Fund (TSP): 23.95% (0.048% expense ratio)
SWTSX (Schwab Indiv): 15.51% (0.03% expense ratio)

International:
SWISX (Schwab Indiv): 9.52% (0.06% expense ratio)
SWISX (Schwab Roth): 12.04% (0.06% expense ratio)

Bonds:
F Fund (TSP): 38.98% (0.049% expense ratio)

Additional assets:
- $10k in Series I bonds (bought in 2022)

SWTSX: Schwab Total Stock Market Index Fund
SWISX: Schwab International Index Fund
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Contributions:

Roth: Maximum allowed ($7k for 2024)
TSP: Maximum allowed ($23k for 2024)
Additional to Individual account: $12k for 2024

TSP Matching: 5%

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Questions:

1. How does my portfolio look? Think it's worth changing to 65/35 or even 70/30 stocks/bonds for a bit?

2. Any suggestions or tweaks I can make that would make my portfolio more "efficient"?

Statistics: Posted by zorkb45 — Sun Jul 21, 2024 12:56 pm — Replies 0 — Views 17

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