My Current Retirement Investment Holdings

Yesterday, I shared my current taxable stock investment holdings. Now I will share my holding in my retirement accounts (Roth IRA, 401k). I probably ought to put these holdings together (retirement/taxable) to show what percentage of overall investments each stock/fund/ETF represents.

Investment	Value*
Total Stock Market Index	$ 42,486.87
Vanguard Windsor II	$ 28,196.94
Total International Stock Market Index	$ 20,059.39
Small-cap Value Index	$ 16,094.54
Pacific Stock Index	$ 9,950.92
Large-cap Growth Index	$ 8,509.06
Large-cap Index	$ 6,561.04

*Market value as of 11/9/2006

Most of my retirement contributions in 2006 have been focused on increasing my international holdings. Still more work to do on this front.

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Comments (8)

Do you plan on trimming your IMB stock holding? Just recalling the post over at It's Just Money where LAMG midly chastised you for having so much in your employer stock. Just curious.

Posted by frank | November 10, 2006 3:53 PM

2mil - now that's how I would set up a portfolio :) Maintenance free and low cost, and I really like your allocation between large cap, small cap, and international. Have you ever mentioned what you use to track your portfolio? Yahoo! Finance? MSN?

Posted by CPA1298 | November 10, 2006 9:10 PM

In addition to increasing international holdings, I think Large Caps are also a good area to be overweighted. Given that Large Caps have underpeformed up until the last few months, I believe that going into next year Large Caps will likely outperform other area assuming the economy continues do well.

Good luck on your taxable and retirement investments. Looks like you have a good solid portfolio.

Posted by Super Saver | November 11, 2006 2:34 PM

I don't know if I would trim on the IBM, I personally feel that they wont be going down for sometime. I know when I say that I open the debate about Enron, Delta and so on. But IBM has been in business for a very long time and are vital in the business world. SO good job 2mil!

Posted by Jeremie Beaudry | November 11, 2006 5:23 PM

I wanted to give an update and say you have WAY TOO MUCH $ in IBM. No stock should have more than 10% of your portfolio.

You should have no less than 10 stocks and no more than 20 stocks.

As I stated earlier you should have no more than 10% of your portfolio in 1 stock and no less than 5% in one stock.

You should have 5 or more industries in your portfolio but no more than 10.

You should have between 1 and 2 companies per industry.

So my first suggestion to you would be to par down your IBM considerably. If something bad happens to IBM it could not only affect your employment but your stock could also be affected and the overall effect would be detrimental to your net worth.

The next thing you need to do is invest in less medical stocks and lower your exposure to 10%.

When it comes to investing, "thinking" a company like IBM can or will do no wrong is not the way to think. You should be thinking just the opposite, and that is why you should limit your exposure across multiple industries and companies and the percentage they comprise of your overall holdings.

I won't say it's easy to do this, and IBM probably is a good investment overall, but if you want to have a diversified portfolio, you need to make some dramatic changes.

Good Luck!

Posted by Ray | November 16, 2006 9:59 PM

$2m,
Doesn't it make sense to consider some bonds - even a small amount for asset allocation purposes?
Also, are you differentiating your investments between value and market?
Value tends to outperform market/growth over a long period of time - makes sense for a retirement portfolio.
Here's a model for you:
large cap value, bonds, REITs and small caps in your retirement account (figure 60% value index, 40% market index).
international (developed and emerging indexes), large cap market in your non-retirement accounts.
This gives you immediate diversification and leverages the tax characteristics of each of your accounts.
maybe mutual funds in the retirement accounts and ETFs in the non-retirement accounts?
makinogurway

Posted by makingourway | November 22, 2006 10:26 PM

That's a haelthy 401(k)!

-Steven Burda
http://www.linkedin.com/in/burda

Posted by Steven Burda, MBA | November 28, 2006 3:25 PM

I have the following breakdown in my 401k:

Total Market: 58%
International: 22%
Bond Fund: 20%

It's the international fund that has done the best so far this year. I have considered allocating more to it, but I know this comes with more risk. Next year I will probable put new funds into large cap value.

Posted by bill | July 5, 2007 11:25 AM