Greetings to the WCI community! I am reaching out for opinions on portfolio asset allocation. There are a lot of different portfolios out there and as I take a year-end inventory, I'd appreciate any advice/comments. I am 30 years old and currently a resident without any school loan debt (HPSP scholar) and have 130K invested with additional 30k in cash. As I have continued to invest throughout medschool/residency, I have added to wife's ROTH IRA, in addition to individual work-sponsored accounts. Our current retirement asset allocation breakdown is as follows:
Our total portfolio as a whole gives the following Asset Allocations:
In the upcoming year, I do not intend on changing 403b/TSP contributions, however, I plan on rebalancing through ROTH accounts, namely increasing international exposure in my ROTH and adding VFIAX to my wife's IRA given our total mid cap overweight.
Questions:
1. What would remain a reasonable US/foreign and LC/MC/SC asset ratios
2. I recognize we are nearly 100% stocks, fine with that given our risk acceptance and age
Roth IRA Portfolio | ||
% Allocation | ||
Large Cap | VHDYX | 5 |
POGRX | 14 | |
Small Cap | VISVX | 3 |
Foreign Large Cap | DODFX | 17 |
Healthcare | VGHCX | 3 |
REIT | VNQ | 2 |
TOTAL | 44 | |
Roth IRA Portfolio (wife) | ||
Mid Cap | VASVX | 22 |
403b (wife) | ||
Large Cap | TRBCX (G) | 20 |
Roth TSP | ||
Large Cap | C fund | 6 |
Mid/Small Cap | S fund | 6 |
Bonds | F fund | 2 |
TOTAL | 14 | |
Our total portfolio as a whole gives the following Asset Allocations:
Large Cap Growth | 37 |
Large Cap Value | 8 |
Mid Cap | 28 |
Small Cap | 3 |
International | 17 |
REIT | 2 |
Healthcare | 3 |
Bonds | 2 |
In the upcoming year, I do not intend on changing 403b/TSP contributions, however, I plan on rebalancing through ROTH accounts, namely increasing international exposure in my ROTH and adding VFIAX to my wife's IRA given our total mid cap overweight.
Questions:
1. What would remain a reasonable US/foreign and LC/MC/SC asset ratios
2. I recognize we are nearly 100% stocks, fine with that given our risk acceptance and age
Comment