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Newbie portfolio comments appreciated
ramesh 12-16-2004, 11:29 AM | Post #132353 | 
0  
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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