In addition to my monthly net worth updates, I’ve decided to also take snapshot of my investing portfolio and my overall asset allocation. I want to also track any fund or ETF purchases so that I can better calculate my actual returns over time.
I haven’t decided whether to do it monthly or quarterly, but here’s my retirement portfolio as of today:
|IVV – iShares S&P 500 Index ETF||$9,500||15%|
|VIVAX – V [Large-Cap] Value Index||$11,700||19%|
|VISVX – V. Small-Cap Value Index||$12,000||19%|
|VGSIX – V. REIT Index||$7,100||12%|
|VTRIX – V. International Value||$6,500||11%|
|VEIEX – V. Emerging Markets Stock Index||$5,900||10%|
|VFICX – V. Int-Term Investment-Grade Bond||$7,100||12%|
|BRSIX – Bridgeway Ultra-Small Market||$1,900||3%|
|June Fund Transactions|
I also decided, after meaning to do it for a long time, to track my “what I could come up with in 24 hours” cash balance as well as my current metric of “non-retirement” funds for my Mid-Term goal. This Liquid Available Cash is a better measurement of how much money I could put towards a house down payment as it removes things like my 0% balance transfer money, and my car equity. My small individual stock portfolio is included because I would just sell them as needed.
Right now, I’m just putting down my best estimate.
|Liquid Available Cash||$25,000 (est.)|
The stock market overall ain’t doing so hot. I wish I had more money to dollar-cost average, but I think I have already put too much money into retirement and have neglected my cash needs. I am going to keep most of the money I make this summer in cash accounts and hopefully pump up that $25,000 number a bit.
I am also considering moving my IVV S&P 500 ETF holdings, which are currently in a taxable account at Scottrade, to a Self-Employed 401k (administrator unknown). Since they are currently at a loss, I won’t have any capital gains tax to pay if I sell and I’ll just need to find an appropriate ETF to avoid wash-sale rules. I’ll also be able to harvest some tax losses.