|Asset Class / Fund||%||%|
|Broad US Stock Market||32.2%||34%|
|VTSMX – Vanguard Total Stock Market Index Fund|
|DISFX – Diversified Stock Index Institutional Fund*|
|FSEMX – Fidelity Spartan Extended Market Index Fund*|
|US Small-Cap Value||8.7%||8.9%|
|VISVX – Vanguard Small Cap Value Index Fund|
|Real Estate (REITs)||8.7%||8.5%|
|VGSIX – Vanguard REIT Index Fund|
|Broad International Developed||23.8%||25.5%|
|FSIIX – Fidelity Spartan International Index Fund*|
|International Emerging Markets||12.1%||8.5%|
|VEIEX – Vanguard Emerging Markets Stock Index Fund|
|Bonds – Short-Term||3.7%||3.8%|
|VFISX – Vanguard Short-Term Treasury Fund|
|Bonds – Inflation-Indexed||10.8%||11.3%|
|VIPSX – Vanguard Inflation-Protected Securities Fund|
|Total Portfolio Value||$120,016|
|* denotes 401(k) holding given limited investment options.|
2009 is already over one-fourth over, so I think it’s a good time to check on the ole’ battered portfolio.
In early 2009, we each made a $5,000 contribution towards our non-deductible IRAs for the 2008 tax year, for a total of $10,000. We have also contributed $12,969 so far into our 401ks through regular salary deferrals and the company match. We haven’t made any after-tax investments in our portfolio yet.
According to my spreadsheet, the 2009 year-to-date time-weighted performance of our personal portfolio is -15.5% YTD.
For reference, the Vanguard S&P 500 Fund has returned -6% YTD, their FTSE All World Ex-US fund has returned –6.36% YTD, and their Total Bond Index fund is -0.13% YTD as of 12/8/08. The Vanguard Target 2045 Fund has returned -4.70% YTD. Part of the poor relative performance is probably due to the timing of my large lump-sum investments.
We have used our new contributions to bring us closer to our asset allocation target, with a 85% stocks/15% bonds split.
You can view all my previous portfolio snapshots here.