• Stats: 45, head of household, California resident
• Emergency fund: yes
• Debt: none
• Tax rate: US: 32%, CA: 9.3%
• Desired allocation: 80/20- though some questions here below – Personal Capital recommends having another category of “Alternative”
• International allocation of stocks: 25-30% of total portfolio, based on advice from Fidelity, Vanguard, Personal Capital
Things I am also interested in learning:
- Vanguard said to do an international bond fund
- Personal Capital said to use “Alternatives” with a recommended ratio below.
- I have set up a Charitable giving account and use that a little bit.
- I have read that the index fund approach, like FSKAX, can tilt to bubbles. Personal Capital recommended a more targeted allocation across sectors because of this.
- I am also trying to understand whether and when to do a rollover IRA conversion to Roth or some other Roth contribution.
- REITs?
- Tax loss harvesting- Personal Capital said something like they will do this by selling a position and then buying a similar index and then buying the original one and that seems a bit complicated.
Thank you very much in advance- also, if there's a better way to format this, I will edit.
Vanguard and Fidelity Taxable
[/sub]Symbol Description Percentage Expense Ratios
FLPSX FIDELITY LOW PRICED STOCK 9.47% (expense ratio:0.78%)
NPRTX NEUBERGER BERMAN LARGE CAP VALUE INVE 6.19% (expense ratio:0.85%
FDVLX FIDELITY VALUE 5.74% (expense ratio:0.57%
FDGRX FIDELITY GROWTH COMPANY 5.09% (expense ratio:0.83%
VFIFX Vanguard Target Retirement 2050 Fund Investor Shares 4.42% (expense ratio:0.15%
FMAGX FIDELITY MAGELLAN 3.84% (expense ratio:0.77%
IYY ISHARES DOW JONES US ETF 3.46% (expense ratio:0.20%
VTHRX Vanguard Target Retirement 2030 Fund Investor Shares 3.25% (expense ratio:0.15%
PRFDX T ROWE PRICE EQUITY INCOME 2.80% (expense ratio:0.64%
IBB ISHARES TR ISHARES BIOTECH 2.73% (expense ratio:0.46%
VTI VANGUARD TOTAL STOCK MARKET ETF 2.24% (expense ratio:
VXUS VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND 1.66% (expense ratio:
IJT ISHARES TR S&P SMALL CAP 600 GROWTH ETF 1.29% (expense ratio:0.25%
AMZN AMAZON.COM INC 1.08% (expense ratio:
IWN ISHARES RUSSELL 2000 VALUE ETF 0.57% (expense ratio:0.24%
ICF ISHARES TR COHEN STEER REIT 0.50% (expense ratio:
COP CONOCOPHILLIPS COM 0.40% (expense ratio:
SCHW SCHWAB CHARLES CORP COM 0.32% (expense ratio:
PSX PHILLIPS 66 COM 0.25% (expense ratio:
RSG REPUBLIC SERVICES INC 0.25% (expense ratio:
SLYV SPDR SERIES TRUST S&P 600 SMCP VAL 0.20% (expense ratio:0.15%
VXF VANGUARD EXTENDED MARKETS INDEX FUND 0.09% (expense ratio:0.06%
Money market 3.06% (expense ratio:
Fidelity 401K (Contributing at 19.5)
TP93 Fidelity TARGET DATE 2040 ~32% (expense ratio:0.07%
Choice:
- RSP RET INCOME FUND 12.05% 8.47% 6.97% 5.94%
RSP TARGET DATE 2020 15.06% 9.75% 8.82% 8.62%
RSP TARGET DATE 2025 17.96% 11.61% 10.68% 9.92%
RSP TARGET DATE 2030 19.93% 12.76% 11.78% 10.69%
RSP TARGET DATE 2035 21.94% 13.30% 12.52% 11.13%
RSP TARGET DATE 2040 23.92% 13.73% 13.11% 11.51%
RSP TARGET DATE 2045 25.76% 14.07% 13.61% 11.75%
RSP TARGET DATE 2050 26.81% 14.37% 13.79% 11.83%
RSP TARGET DATE 2055 26.85% 14.37% 13.77% 11.62%
RSP TARGET DATE 2060 26.81% 14.31% 13.61% 11.04%
RSP LARGE STK INDEX (expense ratio- 0.013%) 12/30/1977 Stock Investments 31.12% 18.04% 18.00% 16.33%
RSP TOTAL US STK IND 07/13/2009 Stock Investments (expense ratio- 0.017%) 33.11% 17.88% 17.95% 16.18%
RSP SMALL STK INDEX 12/29/1995 Stock Investments 42.95% 16.50% 17.53% 15.40%
RSP WORLD STOCK INDX 07/13/2009 Stock Investments 29.04% 14.79% 14.70% 11.60%
RSP INT'L STK INDEX (expense ratio- 0.055%) 12/31/1984 Stock Investments 26.98% 9.60% 10.16% 7.37%
RSP EMERGING MARKET 07/13/2009 Stock Investments 28.02% 6.72% 8.69% 3.53%
RSP BOND INDEX (Expense ratio- 0.027%) 06/28/1996 Bond Investments -0.14% 5.46% 3.10% 3.15%
RSP US GOV BOND INDX 07/13/2009 Bond Investments -0.72% 4.04% 1.80% 2.10%
RSP SHORT TERM BOND 08/01/2011 Bond Investments 0.35% 2.87% 1.87% 1.33%
RSP MONEY MARKET 07/29/2011 Short Term Investments
Fidelity 401K Brokerage (limited to certain mutual funds)
Right now this has been moved to my 401K Target date 2040.
Other options include things like FSKAX and "Through your BrokerageLink account, you have the ability to invest in Fidelity mutual funds and non-Fidelity mutual funds available through Fidelity FundsNetwork®"
Not a 100% confident, but I don't think they charge fees, or at least there are a lot of 0 transaction fee options.
Fidelity Rollover IRA
- Rolled this into 401K to have the option to do back door roth.
Vanguard Roth IRA
FCNTX Fidelity® Contrafund® Fund 2.89% (expense ratio:0.85%
VXUS VANGUARD TOTAL INTL STOCK INDEX FUND ETF 3.36% (expense ratio:0.08%
VTI VANGUARD TOTAL STOCK MARKET ETF 3.24% (expense ratio:0.03%
VMFXX Vanguard Federal Money Market Fund 0.01%
Personal Capital allocation recommendations:
Personal capital
High growth Growth 2
Stocks
US Stocks 56.50%
Developed International Stocks 17.40%
Emerging Markets 6.60%
Alternatives (real estate, gold, international real estate)
US Real Estate 4.90%
Foreign Real Estate 2.10%
Gold 2.00%
Energy 0.97%
Agriculture 0.40%
Metals 0.25%
BONDS
US Corporate 2.32%
US government 2.32%
International 1.81%
US inflation protected 1.54%
Cash 1%