Willing to share your Taxable Portfolio?

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FIREchief
Posts: 6763
Joined: Fri Aug 19, 2016 6:40 pm

Re: Willing to share your Taxable Portfolio?

Post by FIREchief »

100% US, most TMI (three different flavors) but some S&P 500 index. No real recipe for how the funds are held, some from TLH and some just from different times/brokerages. Both ETF and mutual funds. If I was putting the money in now, it would likely be 100% FZROX.
I am not a lawyer, accountant or financial advisor. Any advice or suggestions that I may provide shall be considered for entertainment purposes only.
TimRCM
Posts: 3
Joined: Tue Jan 12, 2021 5:55 pm

Re: Willing to share your Taxable Portfolio?

Post by TimRCM »

100% VT

This comes after a long time of bouncing around my international allocation. I finally decided “screw it, let the market decide for me” and sleep better at night as a result.
life-kingsize
Posts: 22
Joined: Fri Jan 17, 2020 11:17 pm

Re: Willing to share your Taxable Portfolio?

Post by life-kingsize »

TimRCM wrote: Thu May 06, 2021 7:34 pm 100% VT

This comes after a long time of bouncing around my international allocation. I finally decided “screw it, let the market decide for me” and sleep better at night as a result.
+1 ,moved to 100% VTSAX in April.21 was 90/10 VTSAX/BND
KyleAAA
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Re: Willing to share your Taxable Portfolio?

Post by KyleAAA »

VTI and VXUS. Mostly VTI, though. I had some IJS in taxable but I TLH'd it all last year and shifted that allocation to tax-deferred. I'm going to have a tax loss carry-forward for the next few years. It was a good year.
ruud
Posts: 481
Joined: Sat Mar 03, 2007 1:28 pm
Location: san francisco bay area

Re: Willing to share your Taxable Portfolio?

Post by ruud »

30% VTI
15% VEA
5% VWO
25% VGIT
25% VCADX
.
nyx328
Posts: 22
Joined: Tue Jan 26, 2021 10:20 am

Re: Willing to share your Taxable Portfolio?

Post by nyx328 »

80% ITOT
20% IXUS
RadAudit
Posts: 4070
Joined: Mon May 26, 2008 10:20 am
Location: Second star on the right and straight on 'til morning

Re: Willing to share your Taxable Portfolio?

Post by RadAudit »

74 years old. Approximately 14 % in taxable due to left over RMDs, etc. Taxable is divided 13% VTWAX. 63% VTSAX and 24% VMRXX.

I stopped contributing to VTSAX a few years ago when I noted it was throwing my AA out of whack vs. targets. VTWAX is now the ultimate recipient of tax refunds, left over RMDs. etc. VMRXX is high because it houses the emergency fund, travel costs are lower than projected so far, and annual rebalancing has yet to take place.
FI is the best revenge. LBYM. Invest the rest. Stay the course. Die anyway. - PS: The cavalry isn't coming, kids. You are on your own.
chitownguy
Posts: 13
Joined: Thu Jul 25, 2019 7:03 pm

Re: Willing to share your Taxable Portfolio?

Post by chitownguy »

AAPL - 27% (up 432% so hard to sell)
IJT - 23%
FZROX - 9%
FHIGX - 7%
VGSLX - 6%
TSLA - 2% (fun money)
SNAP -2% (fun money)
Cash - 23%
IMhooked
Posts: 108
Joined: Tue Oct 23, 2018 2:02 pm

Re: Willing to share your Taxable Portfolio?

Post by IMhooked »

VTI Currently 52% of taxable 5% of overall portfolio
VXUS Currently 48% taxable 4.5% of overall portfolio
hnd
Posts: 551
Joined: Mon Jun 22, 2020 11:43 am

Re: Willing to share your Taxable Portfolio?

Post by hnd »

VTI
AVUV
ARKK
TTD
BRK.B
LYFT
ABNB
SMG
LUV

I don't plan on ever selling the stocks in there. taxable only accounts for 15% of my total portfolio. VTI is 50% and AVUV is 25% of my taxable.
bgf
Posts: 1662
Joined: Fri Nov 10, 2017 9:35 am

Re: Willing to share your Taxable Portfolio?

Post by bgf »

VTI/VOO US Total
VXUS/VEU International
BND US bonds
BNDX International bonds

Berkshire

The bonds in taxable are part of my overall portfolio allocation of 90-10 but also act as part of my 'emergency fund'
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"
Mike Scott
Posts: 1725
Joined: Fri Jul 19, 2013 2:45 pm

Re: Willing to share your Taxable Portfolio?

Post by Mike Scott »

total US stock market funds plus whatever cash is in a savings account
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TxFrog
Posts: 24
Joined: Mon Mar 01, 2021 8:45 pm

Re: Willing to share your Taxable Portfolio?

Post by TxFrog »

50% VTI
35% VXUS
15% SHV (iShares Short Treasury Bond ETF)

Been in the process of selling all my bond ETFs in taxable and purchasing I-Bonds through TreasuryDirect. Should be complete by 2023.
DangerDad
Posts: 12
Joined: Tue Apr 27, 2021 7:37 pm

Re: Willing to share your Taxable Portfolio?

Post by DangerDad »

Our taxable portfolio.
In descending order of %:
—VTCLX (Vanguard tax-managed capital appreciation)
—VTMSX (Vanguard tax-managed small-cap)
—Handful of individual stocks
—VUSFX (Vanguard ultra-short-term bond)
—VCADX (Vanguard CA intermediate-term bond)

Cheers..
DangerDad
SquirrelEater
Posts: 69
Joined: Mon May 18, 2020 9:02 pm

Re: Willing to share your Taxable Portfolio?

Post by SquirrelEater »

As of 5/6/21’s market close:
FSKAX - Total US Equities: 56%
FTIHX - Total International Equities - 35%
FXNAX - Total US Bond - 4%
FBIIX - Total International Bonds - 4%
Short Term/Cash - 1% .... Guess a fund has some cash in it. Because I sure don’t. Hadn’t in days within taxable.
Dub23
Posts: 8
Joined: Sat Jul 06, 2019 10:11 am

Re: Willing to share your Taxable Portfolio?

Post by Dub23 »

Currently investing in a robo advisor through Merrill for the last 3 years. It's set for the most aggressive investment strategy. Below is the breakdown:

28% IUSG - Large Cap Growth
30% IUSV - Large Cap Value
9% IJR - Small/Mid Cap Growth/Value
27% VEA & VWO - International Equity
2% HYD - Long Term Bond
2% BIL - Short Term Bond
2% Cash
RXfiles
Posts: 170
Joined: Tue May 26, 2020 1:23 pm

Re: Willing to share your Taxable Portfolio?

Post by RXfiles »

100% VT
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HanSolo
Posts: 380
Joined: Thu Jul 19, 2012 3:18 am

Re: Willing to share your Taxable Portfolio?

Post by HanSolo »

VBIAX Balanced Index
VUSXX Treasury Money Market
dukeblue219
Posts: 1617
Joined: Fri Jan 29, 2016 12:40 pm

Re: Willing to share your Taxable Portfolio?

Post by dukeblue219 »

10% BRKB
10% XLU
10% QQQ
5% VTEB
65% VOO

I suppose if you consider Coinbase as part of my taxable investments then that's about 2%.
Enolacs
Posts: 3
Joined: Sat May 08, 2021 8:04 am

Re: Willing to share your Taxable Portfolio?

Post by Enolacs »

50% VSIAX (Small Cap Value)
50% VTIAX (Total International Stock)

Would likely exchange VTIAX for a international small cap value fund if one were available at Vanguard.
Vanguard Fan 1367
Posts: 2077
Joined: Wed Feb 08, 2017 3:09 pm

Re: Willing to share your Taxable Portfolio?

Post by Vanguard Fan 1367 »

I take Bogle’s advice and avoid international. I also keep bonds in IRAs.

I have VOO, VTI, and FSKAX in taxable.
John Bogle: "It's amazing how difficult it is for a man to understand something if he's paid a small fortune not to understand it."
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abuss368
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Re: Willing to share your Taxable Portfolio?

Post by abuss368 »

Why simple! Total Stock Market Index fund!

Buy as much Total Stock as possible until it hurts. Then find a way to buy even more!

It works.

Tony
John C. Bogle: “Simplicity is the master key to financial success."
VAslim16
Posts: 171
Joined: Sat May 24, 2008 6:47 am

Re: Willing to share your Taxable Portfolio?

Post by VAslim16 »

About 70/30 Stocks/Bonds. For stocks 50/50 VTI/VXUS. For Bonds I bonds, some CDs, Ally and Marcus savings accounts. Starting to put a bit in crypto though so my overall ratio will change a bit. Most likely will be 70/25/5 now.
tibbitts
Posts: 13948
Joined: Tue Feb 27, 2007 6:50 pm

Re: Willing to share your Taxable Portfolio?

Post by tibbitts »

Due mostly to tax-loss-harvesting issues, I have Total Stock Market, 500 Index, and Extended Market. At various times I've also used a couple of other funds like Tax Managed Cap App and Tax Managed Small Cap. Again the reason for the multiple funds is mostly a result of loss harvesting and then being stuck not being able (or wanting) to sell due to capital gains. And cash in HY savings and CDs at the moment.
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grabiner
Advisory Board
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Re: Willing to share your Taxable Portfolio?

Post by grabiner »

tibbitts wrote: Sat May 08, 2021 9:27 pm Due mostly to tax-loss-harvesting issues, I have Total Stock Market, 500 Index, and Extended Market. At various times I've also used a couple of other funds like Tax Managed Cap App and Tax Managed Small Cap. Again the reason for the multiple funds is mostly a result of loss harvesting and then being stuck not being able (or wanting) to sell due to capital gains. And cash in HY savings and CDs at the moment.
The way I avoid this issue is that I harvest stock fund A and buy fund B which I already hold. If this leaves me overweighted in B and the market goes up, I will add new money to A to get back into balance.
Wiki David Grabiner
constant
Posts: 2
Joined: Sun Jan 10, 2021 9:15 pm

Re: Willing to share your Taxable Portfolio?

Post by constant »

71% VTSAX
29% VTIAX

Tax advantaged accounts basically just target retirement funds.
Big Dutch
Posts: 90
Joined: Thu May 28, 2015 3:18 pm

Re: Willing to share your Taxable Portfolio?

Post by Big Dutch »

50% ITOT
50% MUB

I plan on future contributions to go mostly towards ITOT.

Big Dutch
SoaringEagle
Posts: 14
Joined: Tue Dec 04, 2018 2:13 pm

Re: Willing to share your Taxable Portfolio?

Post by SoaringEagle »

65% FZROX
35% FZILX
tonyclifton
Posts: 220
Joined: Sat Feb 08, 2020 5:25 pm

Re: Willing to share your Taxable Portfolio?

Post by tonyclifton »

76% cash (savings account)
12% IVV (iShares s&p 500 etf)
12% VTI (Vanguard Total Stock Market etf)

I will likely sell the IVV once it has been held longer than a year and buy more VTI. It was a “mistake” to buy the IVV once I read up on tax loss harvesting due to also owning s&p500 index funds in tax deferred accounts with ongoing contributions. VTI will allow us to add equities and be prepared for tax loss harvesting (if/when necessary). New contributions are used to purchase more VTI.
VtsaxParade
Posts: 85
Joined: Sat Jan 30, 2021 9:19 am

Re: Willing to share your Taxable Portfolio?

Post by VtsaxParade »

100% VTSAX

Rationale: simplicity, super tax efficient because I'm in the 0% long term capital gains bracket so dividends are free, I like buying in dollar amounts and I don't care to time vti purchases (but vti is great).
Mrvtmn
Posts: 25
Joined: Fri Jan 03, 2020 8:35 am

Re: Willing to share your Taxable Portfolio?

Post by Mrvtmn »

Pre- pandemic:
100% VTI

After the crash I moved to VOO then purchased additional investments which brings me to:

50% VBR
33% VOO
9% BRK B
5% DIS
2% TRMB
2% ADSK

My next purchases will be in VOO until the market corrects again.
edudad
Posts: 29
Joined: Wed Mar 24, 2021 10:47 am

Re: Willing to share your Taxable Portfolio?

Post by edudad »

Taxable into 3 buckets
1. Wealth 70% - VTI, SPY, VXUS, BND
2. Income 10% - SPYD, JDIV, SCHB, few Aristocrats.
3. Speculation - 20% - 100s of option contracts, 10-12 quality stocks (holding them since single days).
casun
Posts: 73
Joined: Mon Apr 18, 2016 5:44 pm

Re: Willing to share your Taxable Portfolio?

Post by casun »

100% vtsax
Marseille07
Posts: 4119
Joined: Fri Nov 06, 2020 1:41 pm

Re: Willing to share your Taxable Portfolio?

Post by Marseille07 »

50% VOO
50% QQQ
Wannaretireearly
Posts: 1527
Joined: Wed Mar 31, 2010 4:39 pm

Re: Willing to share your Taxable Portfolio?

Post by Wannaretireearly »

Pete12 wrote: Sat Nov 28, 2020 10:48 pm
UpperNwGuy wrote: Sat Nov 28, 2020 10:20 pm
Pete12 wrote: Sat Nov 28, 2020 9:49 pm
UpperNwGuy wrote: Sat Nov 28, 2020 7:20 pm I'm not sharing mine because I fear the wrath of the bogleheads when they see how little I have in international stock funds.
I'm not sharing mine because I fear the wrath of the bogleheads when they see how MUCH I have in international stock funds.
So I guess some would say that I'm chasing performance and that you're fleeing from performance. :)
I’m in for the long haul... thinking 30 or 40 years out here :wink:
Haha. I'm 100% international in taxable. I don't have 30 years though. Need this *bet* to pay off in 10-15 years
This time next year, we'll be millionaires!
dnka
Posts: 12
Joined: Sat Jan 23, 2021 12:34 am

Re: Willing to share your Taxable Portfolio?

Post by dnka »

VTI 75%
VXUS 25%
BV3273
Posts: 755
Joined: Mon Oct 19, 2015 7:20 pm

Re: Willing to share your Taxable Portfolio?

Post by BV3273 »

I’m currently 100% VTI.

Thinking of going 70% VTI, 20% VXUS, and 10% Intermediate Tax Exempt Bond - Any recommendations for a good ETF? Also, any thoughts on my allocation?

Part of me wants to change, but the other part of me doesn’t want to change. I like the simplicity but I don’t feel like I’m as diversified as I need to be.
tommy85
Posts: 207
Joined: Wed Sep 05, 2018 4:11 pm

Re: Willing to share your Taxable Portfolio?

Post by tommy85 »

100% VTWAX
Mr. Market is Bipolar.
ZWorkLess
Posts: 154
Joined: Thu May 04, 2017 8:13 pm

Re: Willing to share your Taxable Portfolio?

Post by ZWorkLess »

100% VTSAX.

But, our taxable is very small relative to our other accounts. Our other personal (me and spouse) retirement/savings accounts are about 20% VTSAX and the rest is Target 2035 (Vanguard). ("Kid" college money is in Vanguard SP500 Index and kid trust funds are in Vanguard Life Strategy Growth (80/20 Index).
Wedemeyer
Posts: 50
Joined: Mon Jan 25, 2021 11:14 pm

Re: Willing to share your Taxable Portfolio?

Post by Wedemeyer »

I started my taxable investing account prior to joining this forum, which I've learned and continue to learn plenty. So, could be simpler, but I'm OK with the larger set of ETFs. The sectors and casino stock were bought in 2020 dip.

MGC 5% US CRSP mega cap
VV 10% US CRSP large cap
VO 10% US CRSP mid cap
VB 10% US CRSP small cap
VIOO 5% US S&P small cap
VIOV 5% US S&P small cap value
VDE 5% US energy sector
VHF 5% US financial sector
VPU 5% US utility sector
VNQ 5% US REITs
VEU 5% International large cap
CZR 30% Caesars Entertainment, switches from long to short term gain in July, will sell then and distribute among US / International large, mid, small ETFs.
Last edited by Wedemeyer on Thu Jun 10, 2021 5:29 pm, edited 3 times in total.
e5116
Posts: 719
Joined: Mon Oct 05, 2009 11:22 am

Re: Willing to share your Taxable Portfolio?

Post by e5116 »

41% VTSAX/VLCAX (US Total Stock/Large Cap as TLH partners)
27% VTIAX (Total International)
4% MGK (Mega-Cap Growth)
3% VSIAX (Small-Cap Value)
5% VSMAX (Small-Cap, was used as a TLH partner for SCV last year before I converted to brokerage account...that TLH that I conducted at market bottom has cost me a lot given value has greatly outperformed, ugh.... :oops: lesson learned to find a better partner. My third partner was Vanguard Tax-Managed Small Cap which has ALSO outperformed Small-Cap significantly...I happened to land in the worst of the three).
atdharris
Posts: 846
Joined: Wed Jan 02, 2019 3:18 pm

Re: Willing to share your Taxable Portfolio?

Post by atdharris »

My taxable account is from my pre-Boglehead days when I bought individual names. Now, I would face large gains if I sell, so I have kept all of these companies. The ones where I had small gains or losses over the years, I immediately sold. Now down to 4 individual names

VTI 46%
VEA 10%
VWO 7%
ARKK 6%
MSFT 9%
AMZN 8%
FB 8%
AAPL 6%
10 percent
Posts: 34
Joined: Fri Jan 08, 2010 8:59 am

Re: Willing to share your Taxable Portfolio?

Post by 10 percent »

1. Taxable: 100% VTSAX
2. Balance: $158k

There are times I think of throwing taxable balance/contributions at the mortgage....to rid of that debt ASAP. Mortgage balance - $257k
rhubarbpie
Posts: 27
Joined: Mon May 03, 2021 9:18 am

Re: Willing to share your Taxable Portfolio?

Post by rhubarbpie »

VTWAX, SCHB, and SCHF. I needed more international than I could fit in my Roth. Oh, and some I bonds now.
JayDee37
Posts: 55
Joined: Sun Jan 17, 2021 2:08 pm
Location: California

Re: Willing to share your Taxable Portfolio?

Post by JayDee37 »

Taxable is about 25% of my total portfolio.

60% VTSAX/VTCLX (TMI/Tax managed cap-appreciation)
5% VSMAX (Small cap index)
20% VTMGX (Developed markets index)
5% VEMAX (Emerging markets index)
6% MUNIs
4% GLDM

I have most of my bonds in tax-deferred, and my REITs in Roth. More of everything, really, in tax-advantaged accounts. I haven't gotten to the point yet where my bond allocation eats up all of my tax deferred. I have some money coming in soon (a family member is repaying a loan) and I will probably be more attentive to fund placement when I invest those dollars--I set up the allocations above when I started investing as a newbie after a windfall, and now I feel kind of stuck due to all the capital gains.
Tell me, what do you plan to do with your one wild and precious life? | ~Mary Oliver
FoolMeOnce
Posts: 1110
Joined: Mon Apr 24, 2017 11:16 am

Re: Willing to share your Taxable Portfolio?

Post by FoolMeOnce »

We have 57 holdings, from broad index funds to actively managed funds to individual securities. Everything except the broad index funds are holdovers from our financial advisor. We have over 100 holdings when we started to self-managed four years ago, so this is progress! And still a mess. Largest individual securities are at 7.4%, 5.9%, and 5.1%. Everything else at 2% or greater is some form of fund.
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MrBobcat
Posts: 681
Joined: Fri Jan 11, 2019 5:19 pm

Re: Willing to share your Taxable Portfolio?

Post by MrBobcat »

VXUS = 72% (all international is in taxable account)
VTI = 28%
intendi
Posts: 46
Joined: Sat Oct 17, 2020 10:16 am

Re: Willing to share your Taxable Portfolio?

Post by intendi »

VTI 60%
VXUS 40%
andyandyandy
Posts: 363
Joined: Sat Jan 18, 2014 11:36 am

Re: Willing to share your Taxable Portfolio?

Post by andyandyandy »

Watching...
core4portfolio
Posts: 605
Joined: Thu Dec 26, 2013 2:12 pm

Re: Willing to share your Taxable Portfolio?

Post by core4portfolio »

VOO- 80%
20% individual stocks -
(AMD, AMZN, AAPL, SHOP, TTD, MSFT, CRM,ADBE, OKTA, XBI, ARKK, NYT,OKTA,BRK-B,WDAY,ATVI, NFLX,SQ
few other stocks less 250 bucks )
Allocation : 80/20 (90% TSM, 10% on ARKK,XBI,XLK/individual stocks and 20% TBM) | | Need to learn fishing sooner
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