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Been lurking for the last month or so. I wish I had known about this forum earlier. I have been iinvesting with vanguard since 1999. Bought everything at hihg prices and portfolio has recovered it's original value and I am now ready to branch out into a more diversified portfolio. Any comments/input will be appreciated. I would like to use the same portfolio for my wife as well. ================================================ Age: 37 Spouse: 42 Years to retirement: 25 Federal Tax bracket: 28% State tax bracket: 0% Here is the current portfolio: **************************** Tax-deferred: Current portfolio 80/20 stocks versus bonds Funds Capitalization Breakdown ===== ================ ========= VWELX: 27.8% Large Cap: 90.5% US: 78.87% VFINX: 27.13% Mid-cap: 6.9% Intl: 2.44% VBMFX: 8.53% Small-Cap: 2.6% Bonds: 17.18% VTSMX: 19.19% Cash: 1.51% VQNPX: 17.34% ******************************* Roth IRA: 100% stocks VTSMX: 53 % VQNPX: 47 % ******************************* Taxable: VWAHX: 50% VTSMX: 50% ############################################### Target portfolio's after perusing the Diehard forums. Tax-deferred: (No current contributions variety of rollovers for various jobs) ============= 75/25 stocks versus bonds VTSMX: 51% VGTSX: 19% VBMFX: 12% VIPSX: 12% VGSIX: 6% giving me a Morningstar style box of 23 27 20 10 7 5 4 2 2 All bonds are intermediate term. I would like to own VWELX in the tax deferred. Can I do it without overlap ? Roth IRA: (maxed out) VTTHX (Target retirement 2035): 100% Taxable: (small amount of money involved $6000) VTSMX: 50% VWAHX: 50% Thanks in advance for your time and input. Ramesh Originally posted in thread: 38416

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