I have about $40K dollars to invest that will mostly be in a solo 401k at Charles Schwab by next month. I am a 30 year old physician. Due to the my small pot of money, there was only one vanguard fund I could invest in with Admiral. The expense ratios (ER) in the Schwab accounts seem to be lower than the Vanguard Investor. Can some of you look at the portfolio I have made up and see if this is reasonable and what suggestions you may have?
- 60% Equities
- 30% US Stock Market
- Vanguard Total Stock Market Index Fund Admiral Shares
- VTSAX
- ER 0.04%
- $10,000 minimum, $1 for more
- $12,000
- Vanguard Total Stock Market Index Fund Admiral Shares
- 15% Small US Stocks
- Schwab Small Cap Index Fund
- SWSSX
- ER 0.05%
- $1000 minimum, $1000 for more
- $6000
- Schwab Small Cap Index Fund
- 15% International Stocks
- Schwab International Index Fund
- SWISX
- ER 0.06%
- $1000 minimum, $1000 for more
- $6000
- Schwab International Index Fund
- 5% Small international Stocks
- Vanguard International FTSE Small Cap ETF
- VSS
- ER 0.13%
- no minimum
- $2000
- Vanguard International FTSE Small Cap ETF
- 30% US Stock Market
- 10% REITs
- 10% REITs
- Vanguard REIT ETF
- VNQ
- ER 0.12%
- no minimum
- $4000
- Vanguard REIT ETF
- 10% REITs
- 25% Bonds
- 10% TIPS
- Schwab Treasury Inflation Protected Security TIPS
- SWRSX
- ER 0.05%
- $1000 minimum, $1000 for more
- $4000
- Schwab Treasury Inflation Protected Security TIPS
- 15% Total US Bond Market
- Vanguard Total Bond Market Index Fund Investor Shares
- VBMFX
- ER 0.25%
- $3000 minimum, $1 for more
- $6000
- Vanguard Total Bond Market Index Fund Investor Shares
- 10% TIPS
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