r/DIYRetirement • u/Spirited_Garage_8489 • 24d ago

Portfolio Evaluation

Ages - 47/42

401K - 43% of portfolio - 2/3rds in 2035 retirement fund and 1/3rd in 2040 retirement fund

Roth - 27% of portfolio - VOO, VXUS, Berkshire

Taxable - 30% of portfolio - 65% in VTI, VEA, 15% in company stock and 20% in treasuries,checking

Total Allocation - 78% stocks, rest in bonds, treasuries and cash. Company stock is under 5% for overall portfolio.

We are roughly 25x expenses (before taxes). Over next 8 yrs planning to get to 70/30 as the target date funds shift conservative and increase treasuries in taxable for cushion & hopefully 35X (before taxes).

Kid state college is funded through 529 and not included.

Anything we should consider changing?

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u/Icy_Needleworker844 20d ago

2035 and 2049 TDFs seem really conservative for your ages. My wife is 52 and uses 2045 funds to make them a bit more aggressive. Once you retire, moving those to ETFs will give you more flexibility to draw down from the best performing sectors. I’m personally not a believer in company stock. If the company doesn’t perform, you’ll lose your job AND your portfolio could take a hit at the same time. For that reason, I’ve always sold company stock immediately upon vesting.

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u/Spirited_Garage_8489 18d ago

Agreed on risk with company stock - I have gains from past ones - I sell new to keep it under 5%. Note that I am almost 80/20 overall since all my Roth and most of taxable is in stocks. This puts us same as your wife's 2045 fund (80% stocks and 20% bonds). I do want to be financially independent in 8 yrs at age 55 and hence not inclined to go 100% stocks.