Rate my portfolio 401K - 300K bonds Taxable brokerage - 600K stocks, 200K bonds HYSA (5%) - 800K HSA - 50K ETF Liability (3%) - 800K HH TC: 600K YOE: 12 Age: 37
age?
Decrease Hysa gradually and invest in muni and intermediate duration bonds.
1/10
How’s your marriage?
Great
👍. Choosing the right partner is the best investment you can make
Hard to rate without more info, like age, time you took to be here, family/dependents. But 1.4 mil seems to be fine.
Get 529 if expecting kids
I’m not sure why you would put that much in a HYSA unless you have a potential million dollar purchase coming up soon. An index fund on the stock market would beat it by several percent even as high as interest rates are now.
But market is ATH
Timing the market is folly and irrelevant if you’re investing for the long term.
Your data formatting is terrible fyi. Equity in a holding that has debt attached is not part of your portfolio. Strip out your home “value” and list only the liability portion of the mortgage. End of the day you have to sell that asset to realize any gains and then you have to turn around and use at-least some of that to house yourself in some way shape or form. No other holding in your portfolio carries those kinds of caveats. You need to list age, break your accounts out by % of stocks and bonds either in each or better yet combine your entire portfolio and list as % of stocks and bonds. As is one can’t tell what your 401k or HSA holds. 50k in that HSA had better not just be cash. Is your “stocks” account a Taxable Brokerage account? (Probably full of RSU/RSR’s?) if so call it a Taxable Brokerage or Brokerage account so it’s clear that would be taxed at your regular marginal tax rate. Overall you’re way too cash heavy even if I assume your 401k, Stocks and HSA are 100% held in stocks. You could also be overweight in Stocks as a whole of your portfolio and likely overweight in a single stock if your “stocks” account are RSU’s from employment. Better off paying the mortgage off than keeping 800k in a HYSA unless you got some smoking hot sub-3% Jumbo loan somehow. Even then what HYSA gives 3% on a balance that high?
Wealthfront gives 5% easily on HYSA.
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