Hoping to get some ideas from the board.
We are well past the point of FIRE, and have at least 2x more than we need. Might continue working for the foreseeable future, which covers our living expenses, for however much longer it stays enjoyable.
The total portfolio is 85/15 taxable/tax deferred. My target allocation is 70 equity/20 fixed/10 alternative (crypto, PM, RE).
The tax deferred is all bond funds (roughly third DODIX/BND/VBILX), and the remaining fixed allocation is in a muni fund in a taxable account.
I would like to free up some space in tax deferred for private credit investments (roughly 5%) . As these carry higher risk, I would like to lower the risk on the remaining bond funds. What would be a good allocation for the part of the portfolio?
We are well past the point of FIRE, and have at least 2x more than we need. Might continue working for the foreseeable future, which covers our living expenses, for however much longer it stays enjoyable.
The total portfolio is 85/15 taxable/tax deferred. My target allocation is 70 equity/20 fixed/10 alternative (crypto, PM, RE).
The tax deferred is all bond funds (roughly third DODIX/BND/VBILX), and the remaining fixed allocation is in a muni fund in a taxable account.
I would like to free up some space in tax deferred for private credit investments (roughly 5%) . As these carry higher risk, I would like to lower the risk on the remaining bond funds. What would be a good allocation for the part of the portfolio?
Statistics: Posted by sp226 — Fri Nov 29, 2024 9:14 pm — Replies 2 — Views 303
