Taxable accounts
* 26% VTI (US equities)
* 30% VXUS (Int'l equities)
* 3% AVUV (US value)
* Total: $2340K
Don’t touch this for rebalance.
Bonds (held in taxable accounts)
* 8% in individual TIPS with maturities between 2031-2037
* 1% in I-Bonds
* Total: $355K
Don’t touch this for rebalance now, but come up with plan in future years to move TIPS over to 401k tax-deferred space.
401K
* 26% VTI
* Total: $1050K
Move this to to:
8% Bond Fund (~400k)
18% US Stock other than VTI (~700k)
Roth IRA
* 2% FTIHX (int'l equities)
* Total: 60K
Move this from Int’l to US Stock, something other than VTI, can be the same thing as you hold in 401k.
HSA
* Total: 15K
Is this invested in anything? Kinda a choice between spending it down to eliminate management of another account or invest in stocks to grow for future use.
Cash
* 3% in checking/savings accounts
Total assets
$3945K
That pretty much gets you to your desired asset allocation. You can do that now, then start to think about more tax efficient fund placement later (like getting those TIPS out of taxable and over to tax-deferred).
Holding different ticker than VTI in 401k/Roth prevents wash sales. 401k/Roth doesn’t have that problem, which is why you can hold the same ticker in 401k and Roth. I personally hold S&P500 funds in Roth/401k and tax-loss harvesting pairs of US Total Market in taxable.
Preventing wash sales is also the reason for turning off dividend reinvestment, plus in retirement you want the cash flow to spend.
* 26% VTI (US equities)
* 30% VXUS (Int'l equities)
* 3% AVUV (US value)
* Total: $2340K
Don’t touch this for rebalance.
Bonds (held in taxable accounts)
* 8% in individual TIPS with maturities between 2031-2037
* 1% in I-Bonds
* Total: $355K
Don’t touch this for rebalance now, but come up with plan in future years to move TIPS over to 401k tax-deferred space.
401K
* 26% VTI
* Total: $1050K
Move this to to:
8% Bond Fund (~400k)
18% US Stock other than VTI (~700k)
Roth IRA
* 2% FTIHX (int'l equities)
* Total: 60K
Move this from Int’l to US Stock, something other than VTI, can be the same thing as you hold in 401k.
HSA
* Total: 15K
Is this invested in anything? Kinda a choice between spending it down to eliminate management of another account or invest in stocks to grow for future use.
Cash
* 3% in checking/savings accounts
Total assets
$3945K
That pretty much gets you to your desired asset allocation. You can do that now, then start to think about more tax efficient fund placement later (like getting those TIPS out of taxable and over to tax-deferred).
Holding different ticker than VTI in 401k/Roth prevents wash sales. 401k/Roth doesn’t have that problem, which is why you can hold the same ticker in 401k and Roth. I personally hold S&P500 funds in Roth/401k and tax-loss harvesting pairs of US Total Market in taxable.
Preventing wash sales is also the reason for turning off dividend reinvestment, plus in retirement you want the cash flow to spend.
Statistics: Posted by SkatingtoFire — Sat Sep 21, 2024 4:28 am — Replies 9 — Views 556