Personal Investments • Rebalancing Portfolio Help

After some help here, I have a rearranged ask:

Emergency funds: 3 months

Debt: Mortgage $125.5k 3.875%

Tax Filing Status: Head of household (divorced)

Tax Rate: 24% Federal

State of Residence: TX

Age: 49

Desired Asset Allocation: 75% stocks 20% Bonds 5% Cash? Open to suggestions

Desired International Allocation: none

Total Portfolio Size: Approximately $98k



Taxable brokerage $200
0.2% FSKAX FIDELITY TOTAL MARKET INDEX FUND 0.015%

Work 401k Fidelity $62.5k
63% FIDELITY 500 INDEX FUND (FXAIX) (0.015%)

Company match? Yes, 6% if he contributes 6%,. Currently contributing 10% as of recently.

401k Brokerage Link $24.9k
24.9% FIDELITY 500 INDEX FUND (FXAIX) (0.015%)
6.3% Cash FDRXX

Rollover IRA $11.4k
11.5% FIDELITY 500 INDEX FUND (FXAIX) (0.015%)

Traditional IRA Fidelity $100
0.11% FIDELITY 500 INDEX FUND (FXAIX) (0.015%)




Funds available in his 401(k)

US LG CAP GRTH STOCK .328

FID 500 INDEX (FXAIX) .015

VG IS TOT BD MKT IDX .027

BP LG CAP VAL EQ CIT 0.5

LOOMIS S/MID CP GR N (LSMNX) 0.8

VANG IS EXT MKT IDX .037

DFA US TARGET VAL I (DFFVX) 0.29

AF EUROPAC GROWTH R6 (RERGX) 0.47

VG IS TL INTL STK MK .065

DODGE & COX BAL X (DOXBX) 0.42

*Various VANGUARD TARGET funds*
VANGUARD TARGET INC 0.065

JH CR PL FXD INC P1 0.17

GALLIARD MGD INC MC 0.34



Notes: I'll be starting to max Trad IRA


Questions:

1. Best rebalance act?

2. Do I need Brokerage Link anymore? Company waves annual fee

3. Possibly coming into about $20k from inheritance, if I do, what should I do with it?

4. Anything else I am not thinking of?

Statistics: Posted by Finiamh — Tue Oct 01, 2024 10:01 pm

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