Asset Allocation, Q1 2018 (as of Apr 18)
The spread between our taxable and tax-adv accounts currently stand at 61% and 39% respectively. Since we will not be accessing our tax-adv accounts until later in life, we are comfortable with this mix at the moment.
Our stocks to bonds split stands at a moderately aggressive 83% to 12%.
We hold a few stocks in our Merrill Lynch Edge account, which we mean to liquidate over time. We recently filed our taxes, and took the opportunity to liquidate some of it to pay our taxes. We’ll probably do the same next year.
We also had replace some appliances (washer, dryer, refrigerator) which were all over 12 years old.
Our 401K accounts hold target dated funds (2040 and 2045) even though we’re looking to “retire” a lot earlier. Since we will not be using it until we’re 60 +, we figure it’s best to keep it stock heavy. I’ll be 58 in 2040, so this is actually not quite as aggressive. My wife, of course, has decided to always be thirty.
We have a tendency to move spare funds to one of our investment accounts. So our emergency funds are almost zero. Then again, smarter folks have agreed.
Asset Allocation, 2017 – Year End Update
Our allocation was passive (and automated) through the year. We did not max our 401(k) and Roth contributions. But we managed to save all of Mrs. Gofi’s income. We plan to continue living on one income.
We use Personal Capital to track our personal finance. According to Personal Capital, our investments gained 19.46% in 2017 – this is in tandem with the S&P 500 which gained 19.42%. Our stock/bond split currently sits at an aggressive 83% to 12%.