Personal Investments • Portfolio Cleanup Review

Your 457b and HSA are fine as they are. Keep them in total market and let them grow.

• 457b (1%) = US (FSKAX)
• HSA (0.4%) = US (FZROX)

The bulk of your AA is:

• Traditional 401k (23%) = Intl (FTIHX 14%), US Small (AVUV 5%), Fixed (FXNAX 4%)
• Roth 401k (18%) = US (FSKAX 18%)
• Roth IRA (18%) = US (SWTSX 18%)
• Taxable (40%) = US (VTI 25%), Intl (VXUS 10%), US Small (DFSV VBR 5%)

Looks like you like to load on small value. Although studies show some loading factors like small value boost returns, they never made a big difference to my returns when I had them. I had to deal with tracking error (when my portfolio does badly vs the benchmark in some years). Extreme loading is needed to make a difference and maybe DFSV and AVUV are that. But you will have to live it to know. See Vanguard CAMM model for another take on future outlook.

Do not slice and dice with VXUS and VEA. Perhaps you have gains and cannot sell them now. Consolidate when you have the option.

This should be an ideal north star. International is in taxable to capture foreign tax credit on dividends. Increase fixed income to have more ability to rebalance when stocks decline. Stocks are over-valued now.

• Traditional 401k (23%) = Fixed (FXNAX 23%)
• Roth 401k (18%) = US (FSKAX 18%)
• Roth IRA (18%) = US (SWTSX 18%)
• Taxable (40%) = US (VTI 15%), Intl (VXUS 25%)

Statistics: Posted by anjou — Thu Nov 20, 2025 12:09 am — Replies 2 — Views 332

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