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Hi! First time posting… I’m 61, late start investing, life happened! I’d like kind opinions on my financial situation and how I’m looking nearing retirement. I have 5mth emergency fund, 0 debt besides 2 mortgages. I pay 1800 each month towards principal + regular payment. My rental has tenants and that covers mortgage. I plan to have my primary house paid off by retirement at 68/69. I’m not taking soc security until I’m 70. I max my Roth IRA 8k every year by February. I put aside 1500 every month for investing, and I pay all insurance/hoi/hoa/ in full when due. I also put aside a small amount every month to emergency fund. This is my portfolio now: Roth: Voo, vti, vxus, O, Jnj, MO. Main position VTI, only 20k total. I’m looking to add funds this year: backing off Voo, so Vti. Vxus,O, jnj, MO, adding vgt,schd,vnq,vht. Avuv,bnd.
Taxable account:Voo, vti, vxus, looking to add schb?, vb or scha? No more here. 25k total.
I’m just amateur read this forum everyday and study constantly but definitely don’t know too much. My Roth with drip/taxable managed by me, about 15-18% roi this year. I have inherited Ira managed by merril lynch, roi 11% many more funds/bonds less risk. About 110k. Houses worth about 340k each if I were to sell, so about 150k in my pocket if I sold both. I live modestly, work constantly, and still don’t feel too comfortable financially about retirement. I’d appreciate those with much more knowledge giving ur thoughts on my portfolios/financial set up. Thank you!