Hello Bogleheads.
Hope all is doing well.
We are getting back into handling our own portfolio after a number of years trying out different CFP's/companies
little tidbit info
- me - 56yo
- wife - 62 yo
- looking to retire in about 2 years (we have other tax-deferred accounts than below). will be moving from a HCOL to a LCOL around the same time
- the portfolio
- total worth is about - $765k with breakdown below in 4 separate accounts
- me - Trad IRA - ~$324k
- me and wife - Joint Brokerage/Taxable - ~$250k
- wife - Trad IRA - ~$120k
- wife - Roth IRA - ~$70k
- the company has basically allocated in varying amounts with the same SPDR and iSHARES ETF"s. there is about an average of 12 ETF's in each account and we would like to simplify them.
- would like to follow the 4 fund portfolio as outlined - https://www.bogleheads.org/wiki/Lazy_portfolios or https://www.bogleheads.org/wiki/Vanguar ... _portfolio
so our question
- would you have a recommendation on which account to tackle first? I think we would leave the taxable alone for now to avoid an tax implications with sellling/exchanging assets. still have to verify on the fees to exchange the funds
- would it make sense to have some kind of different allocation between each account. As an example, we would have VXUS in one and then VOOG in one. Again just as an example. It would still be a 4 fund portfolio for AA across the accounts. Or would the experienced people have any other suggestions on how to proceed?
- or should we just sell the current SPDR shares like the MidCap and put into the current SPYG/SPYV?? I saw on other posts that fee/ER's are about the same for both Vanguard/State
I think this is about it, at least that we can think of.
Thank You very much in advance to everyone.
Hope all is doing well.
We are getting back into handling our own portfolio after a number of years trying out different CFP's/companies
little tidbit info
- me - 56yo
- wife - 62 yo
- looking to retire in about 2 years (we have other tax-deferred accounts than below). will be moving from a HCOL to a LCOL around the same time
- the portfolio
- total worth is about - $765k with breakdown below in 4 separate accounts
- me - Trad IRA - ~$324k
- me and wife - Joint Brokerage/Taxable - ~$250k
- wife - Trad IRA - ~$120k
- wife - Roth IRA - ~$70k
- the company has basically allocated in varying amounts with the same SPDR and iSHARES ETF"s. there is about an average of 12 ETF's in each account and we would like to simplify them.
- would like to follow the 4 fund portfolio as outlined - https://www.bogleheads.org/wiki/Lazy_portfolios or https://www.bogleheads.org/wiki/Vanguar ... _portfolio
so our question
- would you have a recommendation on which account to tackle first? I think we would leave the taxable alone for now to avoid an tax implications with sellling/exchanging assets. still have to verify on the fees to exchange the funds
- would it make sense to have some kind of different allocation between each account. As an example, we would have VXUS in one and then VOOG in one. Again just as an example. It would still be a 4 fund portfolio for AA across the accounts. Or would the experienced people have any other suggestions on how to proceed?
- or should we just sell the current SPDR shares like the MidCap and put into the current SPYG/SPYV?? I saw on other posts that fee/ER's are about the same for both Vanguard/State
I think this is about it, at least that we can think of.
Thank You very much in advance to everyone.
Statistics: Posted by marchingon — Mon Jul 15, 2024 6:39 pm — Replies 3 — Views 322