标准美国中产 36(Him) 35(Her) Portfolio Checkup - Baby #2 on the way Cash: $143,000 (Barclays 2% HYSA) (will explain more below) Debt: $374,000 mortgage @ 2.875% ($950k value) Tax Filing Status: Married Filing Jointly Income: His: $125,000 (tenured teacher, very stable) Hers: $90,000 State of Res: NY Age: 36 (Him) and 35 (Her) Asset Allocation: Currently 82/18 in retirement portfolio Current retirement assets: $480,000 His 403B: $148,000 37% Vanguard Total Bond Index Fund Admiral Shares (E.R. 0.05) 52% in Vanguard Total Int’l Stock Index Fund Admiral Shares (E.R. 0.11) 11% in Vanguard 500 Index Fund Admiral Shares (E.R. 0.04) His Roth IRA: $104,000 in Vanguard Total Stock Market Index Fund Admiral Shares (E.R . 0.04) Her Roth IRA: $67,000 in Vanguard Total Stock Market Index Fund Admiral Shares (E.R. 0.04) Her 401K: $103,000 81% in LargeCap SP500 Index (ER 0.05%) 15% in MidCap SP400 Index (ER 0.05%) 4% in SmallCap SP600 Index (ER 0.05%) His 457 (NYSDCP): $57,000 15% in Int’l Equity Fund Index Portfolio (ER 0.02%) 50% Large Cap Stocks (NYSDCB Equity Index Unitized Account) (ER 0.02%) 14% Mid-Cap Stocks (NYSDCB Russell 2500 Index Unitized Account) (ER 0.02%) 21% Bonds (NYSDCB US Debt Index Unitized Account) (ER 0.02%) Some Aggregate Numbers: Total retirement portfolio: Total US Stock: 66%, Total Intl Stock: 16.6%, Total Bond: 17.4% Total Retirement Portfolio Stock Allocation: Large Cap: 91%, Small/Mid Cap: 9% Domestic/Intl Allocation: US Stock: 80% Intl Stock: 20% Total Portfolio, including cash: Cash: 22%, Stock: 64.3%, Bond: 13.5% Other assets: 529 Account (3 Year Old Child): $50,000 Brokerage Account: $3800 in VTSAX Series I Bonds: $20K Overall Net Worth: Approximately 1.25mil Annual Contributions $6,000 His Roth IRA $6,000 Her Roth IRA $19,500 His NYS457B $19,500 His 403B $10,000 529 Account $5400 Her 401K (with another $3k from employer)
36(Him) 35(Her) Portfolio Checkup - Baby #2 on the way Cash: $143,000 (Barclays 2% HYSA) (will explain more below)
Debt: $374,000 mortgage @ 2.875% ($950k value)
Tax Filing Status: Married Filing Jointly
Income: His: $125,000 (tenured teacher, very stable) Hers: $90,000
State of Res: NY
Age: 36 (Him) and 35 (Her) Asset Allocation: Currently 82/18 in retirement portfolio
Current retirement assets: $480,000 His 403B: $148,000 37% Vanguard Total Bond Index Fund Admiral Shares (E.R. 0.05) 52% in Vanguard Total Int’l Stock Index Fund Admiral Shares (E.R. 0.11) 11% in Vanguard 500 Index Fund Admiral Shares (E.R. 0.04) His Roth IRA: $104,000 in Vanguard Total Stock Market Index Fund Admiral Shares (E.R . 0.04) Her Roth IRA: $67,000 in Vanguard Total Stock Market Index Fund Admiral Shares (E.R. 0.04) Her 401K: $103,000 81% in LargeCap SP500 Index (ER 0.05%) 15% in MidCap SP400 Index (ER 0.05%) 4% in SmallCap SP600 Index (ER 0.05%) His 457 (NYSDCP): $57,000 15% in Int’l Equity Fund Index Portfolio (ER 0.02%) 50% Large Cap Stocks (NYSDCB Equity Index Unitized Account) (ER 0.02%) 14% Mid-Cap Stocks (NYSDCB Russell 2500 Index Unitized Account) (ER 0.02%) 21% Bonds (NYSDCB US Debt Index Unitized Account) (ER 0.02%) Some Aggregate Numbers: Total retirement portfolio: Total US Stock: 66%, Total Intl Stock: 16.6%, Total Bond: 17.4% Total Retirement Portfolio Stock Allocation: Large Cap: 91%, Small/Mid Cap: 9% Domestic/Intl Allocation: US Stock: 80% Intl Stock: 20% Total Portfolio, including cash: Cash: 22%, Stock: 64.3%, Bond: 13.5% Other assets: 529 Account (3 Year Old Child): $50,000 Brokerage Account: $3800 in VTSAX Series I Bonds: $20K Overall Net Worth: Approximately 1.25mil
Annual Contributions $6,000 His Roth IRA $6,000 Her Roth IRA $19,500 His NYS457B $19,500 His 403B $10,000 529 Account $5400 Her 401K (with another $3k from employer)
存这么多退休金，平时到手就没多少钱了，他们娃还小，没到花钱的时候吧。。
如果男的55岁退休，37岁生二胎我觉得稍微有点晚了，不过他们的打算可能是等老二上大学就不工作把收入降下来？
New York State, I guess?
这点工资没太多税负吧？可能就是想早点财务自由
82% 投equity 18% 投bond
Total retirement portfolio: Total US Stock: 66%, Total Intl Stock: 16.6%, Total Bond: 17.4% Total Retirement Portfolio Stock Allocation: Large Cap: 91%, Small/Mid Cap: 9% Domestic/Intl Allocation: US Stock: 80% Intl Stock: 20% Total Portfolio, including cash: Cash: 22%, Stock: 64.3%, Bond: 13.5%
应该是有点想投机的Bogle信徒，硬核Bogle派不会留这么多现金的 股票：债券 = 82.6% ：17.4% 股票投资里，美国本土：美国国外 = 80% : 20%
手头的现金占了22%