How many funds in your portfolio?

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2Birds1Stone
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Re: How many funds in your portfolio?

Post by 2Birds1Stone »

Total Stock
Total Bond
International Stock

Cash
Ag/Au
spectec
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Re: How many funds in your portfolio?

Post by spectec »

VFIIX
VTI

BRK-B (a small amount of total portfolio - I consider it to be a proxy for a mutual fund)

Stock in one US Company (a small amount of total portfolio - owning it for sentimental reasons)

The rest is cash and CD's.
Don't gamble; take all your savings and buy some good stock and hold it till it goes up, then sell it. If it don't go up, don't buy it. - Will Rogers
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BolderBoy
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Re: How many funds in your portfolio?

Post by BolderBoy »

jay22 wrote:Curious to know how many funds BHs have in their portfolio?
4, total stock, total bond, TIPS and Int Term Tax-Exempt.
"Never underestimate one's capacity to overestimate one's abilities" - The Dunning-Kruger Effect
Steadfast
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Re: How many funds in your portfolio?

Post by Steadfast »

Six for retirement investing. Our portfolios use the asset classes sometimes called the "Swensen Six" or the "Yale Unconventional". These funds are:

-Total U.S.
-International developed
-Emerging markets
-REIT
-Treasuries
-TIPS

Taxable accounts may be suited to goals other than retirement savings and there is a taxation to consider, so, to maximize tax efficiency the mix there is the 3 most tax-efficient funds:

-Total U.S.
-Total international
-Muni bonds
Last edited by Steadfast on Wed May 04, 2016 1:16 pm, edited 1 time in total.
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Toons
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Re: How many funds in your portfolio?

Post by Toons »

Overkill in my portfolio.
It started in the mid-nineties ,,
Consolidated considerably the last 6 years.
Less is More. :mrgreen:
"One does not accumulate but eliminate. It is not daily increase but daily decrease. The height of cultivation always runs to simplicity" –Bruce Lee
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midareff
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Re: How many funds in your portfolio?

Post by midareff »

11 funds spread across 4 accounts.
ny_rn
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Re: How many funds in your portfolio?

Post by ny_rn »

Two.

403(b)
(‪SVSPX) SSgA S&P 500 Index Fund – Class N

Roth IRA
(‪VTSAX) Vanguard Total Stock Market Index Fund Admiral Shares

Taxable
(‪VTSAX) Vanguard Total Stock Market Index Fund Admiral Shares
jnet2000
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Re: How many funds in your portfolio?

Post by jnet2000 »

Total Stock Market Index + VTI
Total International Stock Market Index
CA Muni Bond Fund
Limited Term Muni Bond Fund
Total Bond Market Index
Intermediate Term Investment Grade Bond
Short Term Investment Grade Bond
Total International Bond Market Index

8 Funds
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TomP10
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Re: How many funds in your portfolio?

Post by TomP10 »

8

Total US
Mid Cap Value
Small Cap Value
REITs

Total Int'l
Int'l Small Cap Value
Emerging Mkts

Total Bond

Taxable has just two -- Total US and Total Int'l. All eight are held in my tax advantaged accounts.
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snarlyjack
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Re: How many funds in your portfolio?

Post by snarlyjack »

Two Funds

401K Plan...Washington Mutual, Growth Fund (fairly low ER).

Taxable...Vanguard Total Stock Market Index Fund (VTSAX) Admiral Shares.

Long term buy & hold.
Last edited by snarlyjack on Wed May 04, 2016 10:17 pm, edited 1 time in total.
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Earl Lemongrab
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Re: How many funds in your portfolio?

Post by Earl Lemongrab »

If you have the same ETF in more than one account, is that one "fund" or multiple?

Earl
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John151
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Re: How many funds in your portfolio?

Post by John151 »

I have a local checking account, TIAA Traditional, and U.S. Savings Bonds. All of my other investments are in Vanguard funds: a money market fund, four bond funds (split between taxable and tax-deferred accounts), and two stock index funds (one domestic and one international, both of them in taxable accounts). That’s ten investments altogether, and they’re easy for me to keep track of.
frankbrenowitz
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Re: How many funds in your portfolio?

Post by frankbrenowitz »

Currently five:

VTSAX (in TIRA)
International Stock Index (in 401k)
Intermediate-term Bond Index (in 401k)
S&P 500 Index (in 401k)
Russell 2000 Index (in 401k)

I am rather late to the Boglehead party, having only learned about it about a year ago. At that time I had an advisor (picture of me hanging my head in shame) that had me in nearly a dozen funds with horrible expense ratios. Found this site, fired the advisor and transferred the TIRA to Vanguard. My 401(k) didn't have a VTSAX equivalent so I used the S&P 500 and the Russell 2000 funds to approximate Total Stock Market Index. I recently reached an age milestone that lets me transfer a majority, though not all, balances from my employer's 401(k) to an IRA. I am in the process of transferring the equity components of the 401(k) to Vanguard into VTSAX and VTIAX and leaving the bond fund in place, at which time I will have a reasonable facsimile of the Three-Fund Portfolio.
mickens16
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Re: How many funds in your portfolio?

Post by mickens16 »

rrppve wrote:Let's see how much blowback I get for my complex portfolio

On the fixed income side:
Total bond
3 stable value - 2 401k and 1 529
5 CDs with different banks direct
2 individual TIPS
TIPS fund
IBonds
Cash

Alternatives:
AQR STyle Premia
REIT US
REIT Int'l
130/30 for part of S&P 500 (yes Nisi some still do exist - CSM in my case)

Equities:
Total Stock
Small cap value
S&P 500
6 Fidelity Sector funds for my sector rotation strategy
Total international
International small cap value
Emerging markets

Also these are held in multiple families, Fidelity, Schwab and Vanguard. My TD accounts mostly use Vanguard or iShares, whereas the Fidelity and Schwab accounts tend to use their products.

You might ask how I got here and the base answer is taxes. You open an account for every tax advantage - 401k, Ira, Roth, coverdell, UTGMA, 529 etc.
Then you also diversify among custodians. Then when you need money, you look at the tax basis to decide what to sell. Also you TLH. Don't want to incur the cap gains taxes to reduce the number of tickers. Haven't actually counted the number of different tickers, but it is about 20 different accounts. That's one of the reasons I like the Personal Capital aggregation app.
If you have the necessary tools (excel) to keep track of everything than I don't see any problem with this. To each there own.
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Doc
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Re: How many funds in your portfolio?

Post by Doc »

livesoft wrote:Do IVV and VFIAX count as one fund or two funds? The reason I ask is because both are S&P500 index funds but in different accounts.

And folks who have done tax-loss harvesting need shares in replacement funds, so maybe if one sells VFIAX, they need VLCAX. Does that mean holding VFIAX and VLCAX are two funds. I think so.

I have BND, AGG, VBTLX, VBMFX, and FBIDX which are all Total US Bond Market Index fund in different accounts. Is that 5 funds or one fund?
Yeh, we have 6 short term bond funds to provide liquidity and avoid wash sales (which some brokers can't handle correctly) but they all add up to a single Short Term Bonds index fund. If all our assets were in tax advantaged we would need only one. The only way we can get away with only 6 with our his/hers/ours-taxable/tIRA/ROTH accounts is by making use of margin in one of them and no trading at all in two of them.

The tax code and a simple tax efficient portfolio are sometimes mutually exclusive.
A scientist looks for THE answer to a problem, an engineer looks for AN answer and lawyers ONLY have opinions. Investing is not a science.
anoop
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Re: How many funds in your portfolio?

Post by anoop »

Just two--S&P500 & money market.

Then I hold some SGOL and bunch of individual TIPS/Treasuries.
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reriodan
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Re: How many funds in your portfolio?

Post by reriodan »

Two: VTSAX and VTIAX. I would have only one, VTWSX, if they had admiral shares and the fees were lower.
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Re: How many funds in your portfolio?

Post by sschullo »

Eight
  • Vanguard Wellesley® Income Admiral™
    Vanguard Total Intl Bd Idx Admiral™
    Vanguard Total Bond Market Index Adm
    Vanguard Total Stock Market ETF
    Vanguard Total Intl Stock Index Admiral
    Vanguard Extended Market Idx Adm

    Vanguard Prime Money Market Investor
    Treasury Direct iBond
"We have seen much more money made and kept by “ordinary people” who were temperamentally well suited for the investment process than by those who lacked this quality." Ben Graham
Ma15
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Re: How many funds in your portfolio?

Post by Ma15 »

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Last edited by Ma15 on Tue Feb 21, 2017 10:48 pm, edited 4 times in total.
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StevieG72
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Re: How many funds in your portfolio?

Post by StevieG72 »

Seven, but will soon be six. However, seven is my lucky number.

VSMAX

VTIAX

VTSAX

VGSLX

VBTLX

VTABX

VTI

I plan on selling VTI in June and purchasing more shares of VTSAX. I agree some folks have a weird way of counting. I say if it has a different ticker symbol it is a different fund. Same ticker simple different accounts, count it only once. For example I have VBTLX with Vangaurd but also with my HSA account, I only counted it once.
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dwickenh
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Re: How many funds in your portfolio?

Post by dwickenh »

I have the 4 funds in Vanguard retirement 2010 in my 401 K, one active International fund DODFX, and three of the same Vanguard funds in my taxable account.

Dan
The market is the most efficient mechanism anywhere in the world for transferring wealth from impatient people to patient people.” | — Warren Buffett
Sriracha
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Re: How many funds in your portfolio?

Post by Sriracha »

1. VG Total Stock Market
2. VG Total International
3. VG FTSE All World Ex-US (stopped purchasing shares some years ago when I decided to go with Total Int'l, but kept my shares b/c of gains)
4. VG Small Cap Value
5. VG Total Bond
6. VG S/T TIPS
7. In the 401K, a collective investment trust fund that mimics a total bond mutual fund

That's more than I'd ideally prefer, but this lineup doesn't really present any hassles.
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Lynette
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Re: How many funds in your portfolio?

Post by Lynette »

.....
Last edited by Lynette on Wed Dec 06, 2017 1:18 pm, edited 1 time in total.
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oldcomputerguy
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Re: How many funds in your portfolio?

Post by oldcomputerguy »

I have some taxable at Vanguard and my 401k and Roth at Fidelity.

On the Fidelity side, it's fairly simple. In the 401k, I have total stock market through FXSIX (SP500) and FSEVX (extended market), international through FSGDX and FSIVX (to give a bit of tilt away from emerging market), and FSITX (U.S. bond index) for bonds. The Roth has FSTMX (total stock market).

Even simpler on the Vanguard side, two funds, VTSAX and VTIAX.
jpelder
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Re: How many funds in your portfolio?

Post by jpelder »

2

Vanguard Target Retirement 2055 in Roth IRAs

Vanguard Short-Term Corporate Bond Index Fund (for house downpayment and 12 month+ emergency fund) in taxable
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topper1296
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Re: How many funds in your portfolio?

Post by topper1296 »

Trad IRA- 2 funds
Roth IRA - 4 funds
401k - 4 funds
taxable brokerage - 16 individual stocks

Asset classes included - stocks (domestic and int'l), bonds, cash, REITS and natural resources

Emergency funds are separate and excluded from the above.
krannerd
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Re: How many funds in your portfolio?

Post by krannerd »

12 funds / tickers
1 employer stock fund (tiny)
3 appreciated equity positions
2 Bond funds (different accounts)
1 S&P 500 Index
2 Small / Midcap US Index
1 Total US Index
1 International Index
1 Retirement Target Date fund

Down from 18 a few years ago. My target is to consolidate the 500 index and small cap index...and gift the equities away (over time). I think I can get to 6 funds.

My SO doesn't care much for this...but gets a quarterly report from me....and she has to do her backdoor ROTH annually to practice clicking on things.
jkirkmd
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Re: How many funds in your portfolio?

Post by jkirkmd »

We currently have 10 Vanguard funds. Two years ago I moved all my 401K and DW's IRA to Vanguard. Kept a bit in my 401K at work, and make monthly contributions to VFIAX. The combined portfolio has an AA of 46% stocks (w/ 35% of that in international), and 54% fixed income (w/ 25% of that in international). I'm within 2 years of retirement, so following a glide path (self-designed) to 40%/60% to mitigate Sequence of Returns risk. Then, will glide up to 55%/45% in the following 3 years. Here's the breakdown (with % of total portfolio in parentheses):

VBTLX, Total Bond Market Index, Admiral, (22.8%)
VWIAX, Wellesley Income, Admiral, (14.9%)
VDIGX, Dividend Growth, Investor, (13.7%)
VTABX, Total Intl Bd Index, Admiral, (13.5%)
VTIAX, Total Intl Stock Index, Admiral, (12.1%)
VTSAX, Total Stock Mkt Index, Admiral, (7.9%)
VTAPX, Short-Term TIPS Index, Admiral, (8.0%)
VIMAX, Mid-Cap Index, Admiral, (4.4%)
VTMGX, Developed Markets Index, Admiral, (2.2%) (Roth)
VFIAX, 500 Index, Admiral, (0.5%) (401K)

All easy to maintain with Excel spreadsheet, and a built-in rebalancing calculator. My biggest weakness is my daily look at how everything is doing!
Last edited by jkirkmd on Sat May 07, 2016 11:00 am, edited 1 time in total.
lostdog
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Re: How many funds in your portfolio?

Post by lostdog »

5 Funds

60/40 AA

Vanguard Total Stock Market Index Fund Admiral Shares<---Taxable
Vanguard Intermediate-Term Bond Index Fund Admiral Shares<---Taxable
Vanguard Balanced Index Fund Admiral Shares<---Rollover IRA's, Roth IRA's
Vanguard Institutional Index I<---401(k)
Pimco Total Return Fund Institutional<---401(k)
57% VTI | 43% VXUS
harikaried
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Re: How many funds in your portfolio?

Post by harikaried »

3 asset classes
9 total funds
10 accounts

5 US equity funds:
FSEVX Spartan US Small (401k)
FSTMX Spartan US Market (529s)
FSTVX Spartan US Market (solo 401k)
ITOT iShares US Market (solo 401k [below $2500 minimum for FSTMX])
SWTSX Schwab US Market (donor-advised fund)

3 International equity funds:
FSIVX Spartan International Large (401k)
FSGDX Spartan International Market (IRAs)
VSS Vanguard International Small (taxable)

1 Bond fund:
FSITX Spartan US Bonds (401k, inherited IRA)
ANC
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Re: How many funds in your portfolio?

Post by ANC »

Doc wrote:
livesoft wrote: The tax code and a simple tax efficient portfolio are sometimes mutually exclusive.
Agree with this completely. Taxable is much large than IRAs, so we end up as follows:

IRAs: 4 + TIPS ladder
Taxable: 7 + i-bonds + 1 CD

We do things like growth (at low turnover), treasuries, and short-term bonds in taxable with their opposites in our IRAs. Nevertheless, I do see a clear path to collapsing the IRAs, including TIPS, into 1 retirement fund (TRRIX) without causing major disruptions to our AA. We may do this down the road.
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Doc
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Re: How many funds in your portfolio?

Post by Doc »

ANC wrote:
Doc wrote:
livesoft wrote: The tax code and a simple tax efficient portfolio are sometimes mutually exclusive.
Agree with this completely. Taxable is much large than IRAs, so we end up as follows:

IRAs: 4 + TIPS ladder
Taxable: 7 + i-bonds + 1 CD

We do things like growth (at low turnover), treasuries, and short-term bonds in taxable with their opposites in our IRAs. Nevertheless, I do see a clear path to collapsing the IRAs, including TIPS, into 1 retirement fund (TRRIX) without causing major disruptions to our AA. We may do this down the road.
Depending on your tax rate and how you configure your TIPS ladder it may be possible that TIPS in taxable is fairly tax efficient. Reasons include: current coupon + OID is very low despite possible high tax rate, selling near but before maturity converts Federal ordinary income to LTCG and third, no state income tax. Downside is record keeping but supposedly as of the first of this year the brokers have to do it for us. If you are not comfortable with calculating OID and ABP I would recommend only using TIPS funds in a taxable account. The brokers will have to comply with the IRS regs at some time but it may take a while. :(
A scientist looks for THE answer to a problem, an engineer looks for AN answer and lawyers ONLY have opinions. Investing is not a science.
Trev H
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Re: How many funds in your portfolio?

Post by Trev H »

By Location...

50/50 mix of TSM / FTSE X-US (Taxable)

TIAA Cref target date fund (His 403b)
T.Rowe Price target date fund (Her 401k)

Equal weighting of Large Cap Index, Small Value Index, International Value, FTSE X-US Small cap (60% Equity) + 40% Total Bond Market (His Rollover IRA).

50/50 mix of Small Value Index / Global Ex-US Real Estate (His Roth)
50/50 mix of FTSE X-US Small cap / US REIT Index (Her Roth)

Trev H
bayview
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Re: How many funds in your portfolio?

Post by bayview »

5 in Vanguard:
Total Stock Market (US)
US small value
International small
Intermediate Treasuries
Long Treasuries

3 in TSP:
G
C
S

G and Intermediate Treasuries are kinda the same if you squint just right
C+S together are total US stock market

So 8 in name, 5-6 in type.
The continuous execution of a sound strategy gives you the benefit of the strategy. That's what it's all about. --Rick Ferri
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triceratop
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Re: How many funds in your portfolio?

Post by triceratop »

Simplegift wrote:Not trying to win any prize for the most funds, but my significant other and I each have our own independent portfolios in retirement, with 10 and 12 funds respectively. All of the funds are with Vanguard and the two portfolios contain many of the same funds.

I’m fortunate that my SO is adept and interested in portfolio management on her own, and has been for years. We are both moderate slice-and-dicers, which has worked well for us, especially during the most recent “lost decade” for large-cap U.S. stocks.

At times, we’ve discussed simplifying our portfolios, but we each have so much in embedded capital gains now, it’s not worthwhile tax-wise. When we last discussed portfolio simplification, her attitude was, “Why bother, it’s only a few extra lines on the rebalancing spreadsheet.” I’m lucky to have a simpatico partner when it comes to finances!
I am envious, you are quite fortunate. It would be incredible to be able to discuss these things with my significant other. As it is, I start talking about tax deductions and tax optimizations and the eyes just glaze over. I don't mind as that is a rare quality (especially to be a Boglehead). But kudos! :beer
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tbradnc
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Re: How many funds in your portfolio?

Post by tbradnc »

6 funds, 15% FTB

Tax Deferred:

VBILX (Intermediate-Term Bond Index Fund Admiral Shares)

Taxable:

VTSAX (Total Stock Market Index Fund Admiral Shares)
VSIAX (Small-Cap Value Index Fund Admiral)
VDIGX (Dividend Growth Fund)
VFWAX (FTSE All-World ex-US Index Fund Admiral)
VTMGX (Developed Markets Index Fund Admiral Shares) ((Used to be called Tax-Managed International))

.... and 3 stocks:

GE (2280)
SO (1000)
T (1100)
ANC
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Re: How many funds in your portfolio?

Post by ANC »

Doc wrote: Depending on your tax rate and how you configure your TIPS ladder it may be possible that TIPS in taxable is fairly tax efficient. Reasons include: current coupon + OID is very low despite possible high tax rate, selling near but before maturity converts Federal ordinary income to LTCG and third, no state income tax. Downside is record keeping but supposedly as of the first of this year the brokers have to do it for us. If you are not comfortable with calculating OID and ABP I would recommend only using TIPS funds in a taxable account. The brokers will have to comply with the IRS regs at some time but it may take a while. :(
Doc, thanks for the advice. I will consider it.
ND Fan 1
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Re: How many funds in your portfolio?

Post by ND Fan 1 »

Roth IRA
VG Total Stock Market
VG Small Cap Value
VG US REIT
VG Total International
VG Small Cap International ETF (VSS)

TSP
G Fund (entire Bond holding here)
C Fund
S Fund
Combine C & S Fund to replicate total market

Taxable
VG Total stock
VG SP 500 ( result of TLH)
VG FSTE Ex US ( result of TLH)
VG Balanced Index Fund (2nd Tier Emergency Fund)
mickens16
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Re: How many funds in your portfolio?

Post by mickens16 »

TSP
G, S, and I

401K - only has 2 index funds
T Rowe S&P
T Rowe Extended Market
Pimco Total Return

His Roth IRA
International Small - 2 etf's
Emerging Market - 1 etf

Her Roth IRA
US small value - 1 etf
Emerging Market - 2 etf's
International Small - 1 etf

Taxable
Vanguard Total World - VT
MnD
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Re: How many funds in your portfolio?

Post by MnD »

We have 18 positions across 7 accounts.
16 funds, one stock by choice and one privately held ESOP shares we can't sell yet.
70/30 AA for life, Global market cap equity. Rebalance if fixed income <25% or >35%. Weighted ER< .10%. 5% of annual portfolio balance SWR, Proportional (to AA) withdrawals.
hikeandbike
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Re: How many funds in your portfolio?

Post by hikeandbike »

eight total:

one in brokerage to fund taxable - VMMXX

two in taxable - VXUS, VTI (VANGUARD TOTAL INTL STOCK INDEX FUND ETF , VANGUARD TOTAL STOCK MARKET ETF)

two in IRAs - VASGX, VSMGX (Vanguard LifeStrategy Growth Fund, Vanguard LifeStrategy Moderate Growth Fund - blended to get 75/25 allocation)

two in annuities - VVA-Balanced, VVA-Capital Growth (Wellington, PRIMECAP)

one in 401K - VTTWX (Institutional Target Retirement 2030 Fund)
Last edited by hikeandbike on Fri May 06, 2016 7:27 pm, edited 2 times in total.
jamesthebaker
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Re: How many funds in your portfolio?

Post by jamesthebaker »

I guess I'll bite on this thread, too:

What I own across 4 accounts (2 IRA and 2 joint):

VTSAX Vanguard Total Stock
SWTSX Schwab Total Stock
VTIAX Vanguard Total International Stock
VBTLX Vanguard Total Bond
VFSTX Vanguard Short Term Bond (In a taxable account. Don't want to sell and pay tax on the gain).

I also own some stocks (Sorry, but I have a finance degree and I can't help myself. Most of these I've owned for many years and I have whittled my individual stocks down to less than 10% of my portfolio. I don't put any new money in stocks unless I can keep the total exposure under 10%).

FISV Fiserv (has been wildly successful for me and continues to be, but I watch it closely and will move the money to VTSAX someday)
F Ford (bought at $2 and would take a big tax hit if I sold it)
MO Altria
CVS CVS Health Corp
GILD Gilead Sciences
EXAS Exact Sciences (This one is wildly speculative and I only own because I know people who work there).

Anyway, I've managed to become a Boglehead, more or less, with just a small stake in individual securities.
binvesting
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Re: How many funds in your portfolio?

Post by binvesting »

Place Fund
401k : Vanguard SP500 index fund
401k : Fidelity Spartan Bond Index fund
401k : VSS International small cap etf [a little small cap tilt for Intl]

His IRA: VEXAX Extended US market index fund
Her IRA: VSIAX US Small Cap Value Index fund [a little small cap value tilt for US]

His Taxable: VTSAX Total US Stock index fund
His Taxable: VTIAX Total International Stock Index fund
Her Taxable: Vanguard LifeStrategy Balanced fund

So 8 Funds. (Although I consider it to be 7 in my mental calculations since the VG SP500 and VEXAX extended are placed in a ratio to replicate Total Stock Market)
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grabiner
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Re: How many funds in your portfolio?

Post by grabiner »

I have one fund for every asset class, plus a few extras forced on me by different accounts such as non-Vanguard retirement plans. I have eleven asset classes, and would have ten Vanguard funds if it were all Vanguard (EM small-cap is not worth a separate fund, given the high cost and the amount I can get in Emerging Markets Index and FTSE Small-Cap):

Total Stock Market
Value Index
Small-Cap Index (don't hold this fund; US small-cap is in a retirement account)
Small-Cap Value Index

Developed Markets Index
Emerging Markets Index
FTSE All-World Ex-US Small-Cap
No separate fund for EM small-cap

REIT Index
Global Real Estate

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KeepItSimple78
Posts: 126
Joined: Fri Apr 15, 2016 6:03 pm
Location: Louisiana

Re: How many funds in your portfolio?

Post by KeepItSimple78 »

6 total funds across a 401k, a 403b, and three IRAs:

S&P 500
Extended Market (completes S&P 500)
Small Cap
Total Bond
Total Market
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Avid reader of personal finance/investing literature; however, no formal training in this area. My comments are always well-intended, and most often well-informed.
donaldfair71
Posts: 685
Joined: Wed Mar 06, 2013 4:15 pm

Re: How many funds in your portfolio?

Post by donaldfair71 »

3:

VINIX (Vanguard 500 Index Institutional Shares)
VXUS (Vanguard International Ex-US ETF)
LIncoln Financial Stable Value Fund

I also keep 5% of portfolio in physical gold. But that's not a fund.
swellkarl
Posts: 33
Joined: Sun Nov 01, 2015 1:57 pm
Location: Alabama
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Re: How many funds in your portfolio?

Post by swellkarl »

I have recently consolidated my portfolio down to just two funds:

Vanguard Institutional Index
Vanguard Core Bond Admiral

Don't need a spreadsheet or anything else to manage it now.

And I have the cash part of my portfolio at Compass Bank in MM and CDs.

Karl
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hoppy08520
Posts: 2166
Joined: Sat Feb 18, 2012 11:36 am

Re: How many funds in your portfolio?

Post by hoppy08520 »

I guess by your definition I'm at overkill stage with eight :-)

US
VTI
VBR
VNQ

International
VXUS
VSS
VNQI

Fixed income
BND and Thrift Savings Plan F Fund (same index)
TSP G Fund
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fourwedge
Posts: 327
Joined: Sun Sep 22, 2013 10:10 pm

Re: How many funds in your portfolio?

Post by fourwedge »

I have 7:
Vanguard Total Stock Mkt Idx Adm VTSAX 37.02%
Vanguard Small Cap Value Index Admiral VSIAX 15.88%
Vanguard Total Intl Stock Index Admiral VTIAX 17.61%
Vanguard Total Bond Market Index Adm VBTLX 11.61%
DFA International Small Cap Value I DISVX 8%
DFA Emerging Markets Core Equity I DFCEX 7.26%
Vanguard FTSE All-Wld ex-US SmCp Idx Inv VFSVX 2.44%

Just added this for all new contributions in my wife's Indy 401K, and I'm gonna max this out from here on out.
Vanguard Target Retirement 2040 Inv VFORX 0.53%
Max out your tax sheltered retirement accounts with inexpensive, well diversified, index funds and you will beat 90% of all investors.
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riptide
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Joined: Thu Jul 17, 2014 2:38 pm
Location: Coastal, South Carolina

Re: How many funds in your portfolio?

Post by riptide »

David Jay wrote:9

I have a Coffeehouse portfolio (normally 7 funds) but I split international and bonds - two funds each.

Thinking about moving to the PecanPie portfolio.
DJ, I have the Pecan Pie portfolio 5 funds (or 8 Funds if you count TSP funds)

VTSAX - Vanguard total market
VSIAX - small cap value
VGSLX- Reit index
VTIAX - total international
VBTLX - total bond fund

( I hold TSP funds too, but combine them like mentioned above) (C, S, and G fund) (I count the C/S funds as total market - I combine them in a ratio to mimic the total index. I count the G fund as part of my total bond fund. )
Brokerage account 70/30 | VG total Market 35% | VG total Intl 10% | VG small cap value 13% | VG Reit index 10% | VG Total Bond 30% | TSP Account 75/25 | C Fund 55%, S 20%, F 12% , G 13% | EE Bonds=Emergency Fund
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