So, I've finally got enough of a portfolio to warrant a review (which is exciting).
So a little background, Im a 33yr old unmarried attending with no kids. Student loans paid off. No other debt. 200K net worth. Currently a W2 employee. Previously a 1099 employee. My work 401k is has terrible fund choices and the S&P Index is the only fund offered through my job and has an ER of 0.04%. Everything else in it is crappy managed fund bs.
Current allocation
Work 401K: Black Rock S&P 500 Index - 100% (this accounts for 56% of my net worth)
Solo 401K: Vanguard Total Stock Index - 38%
Vanguard Total International Stock Index - 38%
Vanguard Total Bond Market Index - 24%
Roth IRA: Vanguard Total Stock Index - 50%
Vanguard Total international Stock Index - 50%
Taxable: Vanguard Total Stock Index - 50%
Vanguard Total International Stock Index - 50%
Totals: Bonds 4.7%
Stocks 95.3%
56% of my net worth is in the S&P500 index. Only about 3% is in my taxable account. I have a roughly 200K portfolio.
Any advice is greatly appreciated.
So a little background, Im a 33yr old unmarried attending with no kids. Student loans paid off. No other debt. 200K net worth. Currently a W2 employee. Previously a 1099 employee. My work 401k is has terrible fund choices and the S&P Index is the only fund offered through my job and has an ER of 0.04%. Everything else in it is crappy managed fund bs.
Current allocation
Work 401K: Black Rock S&P 500 Index - 100% (this accounts for 56% of my net worth)
Solo 401K: Vanguard Total Stock Index - 38%
Vanguard Total International Stock Index - 38%
Vanguard Total Bond Market Index - 24%
Roth IRA: Vanguard Total Stock Index - 50%
Vanguard Total international Stock Index - 50%
Taxable: Vanguard Total Stock Index - 50%
Vanguard Total International Stock Index - 50%
Totals: Bonds 4.7%
Stocks 95.3%
56% of my net worth is in the S&P500 index. Only about 3% is in my taxable account. I have a roughly 200K portfolio.
Any advice is greatly appreciated.
Comment