Hi Guys,
Quick thoughts on my portfolio? I recently moved my EU brokerage to the US and bought some extra ETFs more as a placeholder for future investment so the negligible stock holdings and ratios aren’t perfect yet and need some adjusting.
Essentially I have tried to get funds with S and P, large cap, Intl stock with a tilt towards developed markets, circa 20% in total. Small bit of gold and precious metals as I used to live in Western Australia and why not!
I have VTI with SWPPX to include at least some small / mid cap but in a blended fund and I realise there’s big overlap.
In addition to this brokerage in my 401K I have half money in the S and P and half in the Vanguard 2060 retirement fund.
I have enough in a HYSA to pay any monthly bills and more in a years CD account at around 3.5%. The VBIL was in lieu of opening another CD account and the returns are actually a little better.
As far as I can see I have covered US, Intl, Large and small cap with a little mid cap. I have some liquidity of around a day in VBIL and some stability in gold. The USAGX is a bit of a punt and I won’t be putting any more in.
My thoughts are to put my CD Ac balance into VBIL when it’s matured and also get the small cap ratio up a little. Any other glaring things missing?
AVDV 1.4%
AVUS 1.7%
IEFA 9%
IAUM 7.5%
VBIL 15.3%
VXUS 8.4%
VTI 13.4%
SWPPX 37.9%
USAGX 5.34%