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Port/Fund help...
loki1998
07-04-2008, 7:40 PM | Post #2535627
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Hello all,
I would like to get some insight into the funds I am interested in and also the AA for them. Just to give some insight into my current situation, I am currently in the military and stationed Iraq (tax free pay).
Emergency funds = 5 months
Debt: I have no fixed bills to pay
Tax Filing Status: Single
Tax Rate: 25% Federal 6% State State of Residence
Age: 28
Desired Asset allocation: 90/10
Intl allocation: (Need advice)
Current investments: I do/have been investing 10% of my pay into TSP. Maxed out Roth IRA, (CGMFX) CGM Focus 80% and (CGMRX) CGM Realty 20% for 2008. I also have invested low five figures in Visa (V) and invested low four figures in Brigham Exploration Company (BEXP).
Listed below are the funds that I would like to purchase for my Roth IRA and for a taxable account.
Starting 2009 for Roth IRA:
Vanguard Inflation-Protected Secs (VIPSX) (0.20%)
Vanguard Total Bond Market Index (VBMFX) (0.19%)
Vanguard Long-Term U.S. Treasury (VUSTX) (0.26%)
Vanguard Real Estate (VGSIX) (0.20%) (Will change out with CGM Realty (CGMRX), just not sure when)
Taxable account:
Vanguard International Stock (VFWIX) (0.40%)
Fairholme (FAIRX) (1.00%)
Vanguard Emerging Mkts Stock Idx (VEIEX) (0.37%)
Royce Value Plus Svc (RYVPX) (1.33%)
Columbia Value & Restruct Z (UMBIX) (1.02%)
Vanguard Small Cap Value Index (VISVX) (0.22%)
Janus Adviser Forty S (JARTX) (1.15%)
Vanguard Inflation-Protected Secs (VIPSX) (0.20%)
USAA Precious Metals & Min (USAGX) (1.21%)
Vanguard European Stock Index (VEURX) (0.22%)
SSGRX, BlackRock Global Resources Inv A (1.29%) (This is not a huge favorite due cost but it does seem to work)
Vanguard Pacific Stock Index (VPACX) (0.22%)
Questions:
1) Do you feel that I should reduce the amount of funds listed?
2) Do you feel that I should not consider certain funds that I have mentioned above?
3) I used M* for the X-Ray on all the listed funds above and it says that it is a Core portfolio, and that there is a little cross over. Should this be of concern with this portfolio?
4) Since I have not purchased any of the taxable funds listed above, yet, which ones should I start off with?
5) Since I have not purchased any of the 2009 for Roth IRA options, which of them would you recommend first?
6) Once I have a strong base, meaning I have enough money/funds purchased, when should I start to look at AA and what would be best for my age?
7) Not so much a question as to a statement, my math skills are horrible, thus I went Political Sci in college, so as far as asking about % cash for investment... I will say that I can invest mid 4 figure's monthly on funds for the next 10 months. Again my math skills are....  If you want, a simple sidebar would be great on this little math class.
The split with some being Vanguard and other from all over the place is just that it helps cover a broad area, and personal interest (different funds and areas). Not all my eggs get crushed if something happens. Lastly, due to wanting to make monthly payments instead of large sums of money put into ETF's, from what I read, index/MF are the better option.
Thank you in advance.
Topics
CGM Focus
CGM Realty
investing basics
Roth IRA
tax free
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