Personal Investments • Portfolio help - 10 years to retirement -

The original plan was for me to retire at age 55 but have decided to wait until age 62. I just began working as a federal employee so future retirement contributions will be made to TSP. I want to have balance between regular and ROTH contributions. Please help me move $$ around to where it is best long term.

Emergency fund - $100,000
Debt - $0
Filing – MFJ
Rate – 22% Fed/ 5% NC
Age – 53/52
Asset Allocation – 60% stock /30 bond /10 cash
Intl – 15%
Size of Portfolio - $1.45 million

His IRA
VTTHX – Target 2035 – 10%
VTTVX - Target 2025 – 7%
Indiv Stocks – 3%
VTBLX – Bond Index - .5%

His ROTH
VTTVX – Target 2025 – 4%

Her IRA
VTTVX – Target 2025 – 2%
VTINX – Target Ret Income – 14%
VTBLX – Bond Income – 1%

Her ROTH
VTTHX – 1%
VTTVX – 9.5%
VDADX – Dividend Appreciation – 1%
VBTLX - .5%

Her Inherited IRA (taking distributions over lifetime)
VTTVX – 12%

Her Taxable
VMRXX – Cash Reserves – 12%
VTSAX – 5.5%
VDADX – 4%
Indiv Stocks – 3.5%
MM – 8%

Joint Taxable – MM - 1.5%

Yearly Contributions -
$8,000 to His Reg IRA at Vanguard
$8,000 to Her Roth IRA at Vanguard
$15,500 to Her Reg TSP+$15,500 to her Roth TSP

Statistics: Posted by lovejoypeace — Sun Nov 10, 2024 8:27 pm — Replies 1 — Views 227

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