This is what a boglehead looks like

[corn18]

This is the format that they request on boglehead.org when you ask for advice. I thought I would share what my investment portfolio looks like as a pure boglehead. All low cost index funds except my bond funds in my 401k.

Emergency funds: 6 months expenses
Debt: mortgage, 3.75%, 30 year, no PMI (VA loan), $418k balance, $500k value
Tax Filing Status: Married Filing Jointly
Tax Rate: 39.6% Federal, 5.33% State, 1% local
State of Residence: Ohio
Age: 51
Desired Asset allocation: 60% stocks / 40% bonds
Desired International allocation: 10% of stocks

high 6 figures current retirement portfolio
$43,757 / year military pension (receiving this now), inflation indexed, 55% survivor benefit
Low cost health care for life (Tricare for life)

Current retirement assets

Taxable (USAA brokerage account)
20.7% SPRTN TOTAL MKT INDX INVESTOR CLASS (FSTMX) 0.1%
5.8% FIDELITY INTERNATL INDEX PREMIUM CLASS (FSIVX) 0.06%
3.5% FIDELITY TAX-FREE BOND (FTABX) 0.25%

His 401k
18.8% SPTN 500 IDX ADV IS (FXAIX) 0.025%
5.7% SPTN MID CAP IDX INS (FSTPX) 0.14%
4.1% SPTN SM CAP IDX INS (FSSSX) 0.17%
4% SPTN GLB XUS IDX INS (FSGSX) 0.23%
11% DODGE & COX INCOME (DODIX) 0.44%
11.9% VANG INFL PROT INST (VIPIX) 0.07%
Company match? 4%

His Roth IRA at USAA
3.4% SPARTAN US BOND INDEX ADV CLASS (FSITX) 0.2%

His Roth IRA at Fidelity
7.2% FIDELITY U.S. BOND INDEX PREMIUM CLASS (FSITX) 0.045%

His TSP
0.43% G Fund 0.038%

Her Roth IRA at USAA
4.2% SPTN INTER TREAS BND ADV CLASS (FIBAX) 0.2%

Contributions

New annual Contributions
$24,000 his 401k before tax + 4% match (~$18,000)
$17,000 his 401k after tax (mega backdoor Roth)
$6,500 his IRA/Roth IRA (backdoor Roth)
$5,500 her IRA/Roth IRA (backdoor Roth)
$118,000 taxable

$171,000 annual contribution (plus $18,000 match)

Available funds

Funds available in his 401(k)
AF GRTH FUND AMER R6 (RGAGX) 0.33%
DODGE & COX STOCK (DODGX) 0.52%
FID MAGELLAN K (FMGKX) 0.6%
SPTN 500 IDX ADV IS (FXAIX) 0.025%
SPTN MID CAP IDX INS (FSTPX) 0.14%
SPTN SM CAP IDX INS (FSSSX) 0.17%
TRP SM CAP STOCK (OTCFX) 0.91%
FID DIVERSIFD INTL K (FDIKX) 0.78%
SPTN GLB XUS IDX INS (FSGSX) 0.23%
FID BALANCED K (FBAKX) 0.46%
FID FREEDOM K 2005 (FFKVX) 0.49%
FID FREEDOM K 2010 (FFKCX) 0.52%
FID FREEDOM K 2015 (FKVFX) 0.55%
FID FREEDOM K 2020 (FFKDX) 0.57%
FID FREEDOM K 2025 (FKTWX) 0.6%
FID FREEDOM K 2030 (FFKEX) 0.63%
FID FREEDOM K 2035 (FKTHX) 0.64%
FID FREEDOM K 2040 (FFKFX) 0.64%
FID FREEDOM K 2045 (FFKGX) 0.64%
FID FREEDOM K 2050 (FFKHX) 0.64%
FID FREEDOM K 2055 (FDENX) 0.64%
FID FREEDOM K 2060 (FDKNX) 0.64%
FID FREEDOM K INCOME (FFKAX) 0.43%
FID Managed Income Portfolio II Class 3 0.34%
BLKRK HIGH YLD BD K (BRHYX) 0.55%
DODGE & COX INCOME (DODIX) 0.44%
FID GNMA (FGMNX) 0.45%
VANG INFL PROT INST (VIPIX) 0.07%

[Like2Plan]

Thanks for sharing your portfolio.
I have a technical/philosophical question for you. It looks like you mainly have bonds in your Roths. Wouldn't you want the asset that has the potential for the most tax free growth to be in the Roths?

[corn18]

Thanks for sharing your portfolio.
I have a technical/philosophical question for you. It looks like you mainly have bonds in your Roths. Wouldn't you want the asset that has the potential for the most tax free growth to be in the Roths?

Timely and insightful question. They are all in bonds now for tax efficiency and my Roths have better bond funds available than my 401k. I am looking at putting a lot more bonds in my 401k and making my Roths all equity. Just wish my 401k had a total bond market index fund with a low ER. VIPIX is a TIPS fund. DODIX is a good fund, but with a 0.44% ER, it makes me throw up a little in my mouth thinking about giving that much to a fund manager.

I think I'll take the DS approach and go part way. I will add equities to my Roth's over time. Once I get closer to retirement, I may up VIPIX a lot to cover 10 years of retirement and rebalance to 60/40 with equities in the Roths.

[Like2Plan]

It looks like you have done a good job of navigating the minefield of expensive choices on your 401K (some of those bond funds..Yikes! ).

I was wondering if you had any influence with management to offer some better bond funds in your 401k?

[corn18]

It looks like you have done a good job of navigating the minefield of expensive choices on your 401K (some of those bond funds..Yikes! ).

I was wondering if you had any influence with management to offer some better bond funds in your 401k?

It's a megacorp so I haven't tried. I will look into it, though. All they can do is say no.

[LivingAlmostLarge]

As long as it's tax sheltered bonds don't matter. Reallocate as you retire and start cashing out 401k and moving to roth.