I would go no more than 60:40 (I stick to a thumbrule of Age-20 in bonds). For a 60 year old, that is quite an aggressive allocation. Your desired asset allocation is either 85:15 or 70:30. You have 7.7% of your portfolio of $930k in taxable account (which does NOT include the restricted stock units, and since I am not sure whether you can sell them immediately I have not taken that into consideration) = $71k (VEIPX, MSFT, ANTM, DIS). Max out the $7000 Roth IRA for yourself and your spouse, for 2021, before December 31, 2021.ģ. With only 7 months to go, that would be setting your paycheck as high as 20% of your paycheck.Ģ.
Set your paycheck to max out the $26,000 limit (since you are over 50) before the end of the year. You could instead defer a large amount to tax-deferred account, and withdraw it later when your marginal tax rates would be lower. In your tax bracket, being able to get $1 into your tax able account would require that you earn $1.38 gross salary. That would be the first thing I would fix.
I see that you are investing in taxable accounts while shortchanging your 401k and IRA. How best to get to 2 or 3 fund portfolio with minimal tax consequences.Ģ.Is retirement at 65-67 a realistic thought? $2000 ESPP - taxable (for retirement, not short term goals)ġ. Note: Total percentage of all the above accounts together (not each account individually) should equal 100%. Rowe Price Large-Cap Growth Trust E 0.350%ę.73% MFS Large Cap Value CIT Class 5 0.360%Ę.73% Vanguard Institutional Total International Stock Market Index Trust 0.053%đ3.53% Vanguard Institutional Extended Market Index Trust 0.027%đ1.80% Vanguard-Vanguard Equity Income Fund Investor - VEIPXĐ.270%ĕ.35%Ĭurrent Employer- 5% Match, Fidelity 500 Index-FXAIX 0.010%ė.00% Tax Filing Status: Married Filing Jointlyĭesired Asset allocation: 85% stocks / 15% bonds - Adjust over next 7 years to 70/30ĭesired International allocation: 10% of stocks Thank you in advance for any suggestions or advice.
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