How many funds are you working with?

[cypher1]

Recent investment posts, and circumstances got me wondering: Outside of individual stocks, how many funds are you using with in your portfolio? Mostly active or passive funds?

Excluding current 401K, the core four I use for roth, rollover, taxable are passive, and one smaller health sector as active (less than 5%). So including HSA, six total.

I just found out my HSA provider has changed and I need to transfer my funds (which includes selling Wellington VWELX investment) to the new account and figure out new options. I've always liked that fund, and I'm actually tempted to add VWELX into this years Roth as well.

[Petunia 100]

I am an index investor (when I have a choice) and like to keep things simple.

My largest account is my traditional IRA. It's a brokerage account at Wells Fargo and I don't pay any trade commissions. It has 4 ETFs in it. (VTI, VNQ, VXUS, BND).

My second largest account is my Roth IRA. It is at Vanguard and holds only LifeStrategy Moderate Growth VSMGX.

My smallest and final account is my employer's plan. It holds only CalPers Target Retirement 2025 fund.

[disneysteve]

How many? Too many! Between both of our traditional IRAs, rollover IRAs, Roths, 401ks, and 403b, as well as several taxable accounts, I think we have a total of 14 funds with 5 different fund companies.

I've been saying this for ages but I really need to make 2020 the year that I consolidate some stuff. My wife's 403b and 401k can both be rolled over into Vanguard as she hasn't worked for years. That could eliminate 4 funds and 1 fund company.

[kork13]

I try to keep it simple, and have reduced it from what once I had (a clutch of 5+ ETFs I was playing with are gone)... But still, I use a fairly large variety.

My TSP only has access to their 5 funds (C,S,I,G,F) and we use each of them to varying extents.

My Roth IRA is strictly 3-fund, using VTSAX, VTIAX, & VBTLX. DW's Roth IRA is single-fund to be simple & easy for her in the event of my death (she's not really investment savvy at all, and not interested to learn), using VFORX (2040 Target Retirement). Our boys' UTMAs & 529s are mostly only VTSAX, though the 529s also have ~50% in the aggressive age-based option for some diversity.

Our taxable account is where it's most random. VTSAX & VTIAX are still there, also have VWO and BRK.B (a stock, but almost a MF for the large number/breadth of companies it includes). After I finish selling off our taxable VTSAX & VTIAX to buy our next house, I'm going to pivot that account to lean more aggressive, and inclined to move to all ETFs for better tax efficiency -- VOO, VO, VB, VT, VNQ, VTEB, BRK.B, and I may or may not keep what I have in VWO.

Sum total: 17 different MFs/ETFs/stock. Yikes. But I'm not sure how I would reduce it, since each one is doing something specific for me.

[corn18]

I hold 3 funds, but they might have different parent companies: Total US stock index, Total US bond index, Total International. That's it. No more cash anymore as my taxable account is big enough to act as an EF.

[LivingAlmostLarge]

I hold 3 funds, but they might have different parent companies: Total US stock index, Total US bond index, Total International. That's it. No more cash anymore as my taxable account is big enough to act as an EF.

eeek. I am not there. Well i used to invest everything. But I've been so cash heavy for so longer I have $150k in cash waiting to buy an investment property. I'm not sure what I should do.

[corn18]

eeek. I am not there. Well i used to invest everything. But I've been so cash heavy for so longer I have $150k in cash waiting to buy an investment property. I'm not sure what I should do.

I do have $150k sitting in cash, but it is to pay taxes in April. I can't spend it on anything else, so it is not an EF.