Personal Investments • Portfolio Review Please

Hello,

I would like to get feedback and suggestions for consolidating my portfolio.

I've considered moving to a static allocation fund to eliminate the redundancies but I'm reluctant to give up control of shifting the asset allocation as I get further into retirement. I'm 67 in my first year of full retirement. My current AA is 65/35. AFAIK I will be in the 12% tax bracket in 2025.

I would also appreciate suggestions for which accounts to draw from to cover regular monthly expenses after SS and small pension. My taxable account is only about 10% of portfolio.
i.e.; should I sell bonds from IRA for monthly expenses or sell shares in taxable?

The amount needed to cover the monthly expenses over the entire year is approximately a 1.75% withdrawl rate. I anticipate 3.5%-4.0% total WD rate overall.

I appreciate your assistance. Thank you.

Vanguard TIRA

VBIRX Vang. Short Term Bond Fund 3%
VWELX Wellington Investor Vang. Balanced Fund 10%
VGITVang. Int. Treasury Bond Fund 0.4%
VTI Vang. Total Market 22%
VTV Vang. Value Index ETF 3%
VXUS International Index 1%
1-2 Year Treasury Bills/Notes 3%

Fidelity IRA
Treasuries 1-2 yr Notes 6%
SGOV ishares short term bond ETF 5%
BSVVang Short term bond ETF 7%
VGIT Vang. Int. Treasury ETF 1%
FSKAX Fidelity Total Market Index Fund 2%

Fidelity Roth
ITOTishares total US stock market ETF 11%
FNILX Fidelity Large Cap Index Fund 8%
Treasury Bills 1%
ARCC Arres Capital 1%
VXUS 1%

Vanguard Taxable
VMFXX Settlement Fund 2%
VIGVang. Dividend ETF 1%
VOOVang. S&P Index 1%
VTIVang. Total Market 3%
VUGVang. Growth ETF 1%
Tbills 1%

Schwab Taxable
Apple .3%
VUG.3 %
VYM1%
VTI1.3%


HYSA 1%

Ibonds 2%

Checking 1%

Statistics: Posted by oakbluffs — Sat Jan 18, 2025 1:49 pm — Replies 0 — Views 109

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