| By asset class | Allocation | Fees |
| Cash | 0.1% | 0.00% |
| Home Equity | 25.2% | 0.00% |
| Private Equity (Real Estate) | 9.5% | 1.00% |
| Muni Bonds | 0.9% | 0.50% |
| S&P500 Index | 37.0% | 0.05% |
| US Total Stock Market | 7.2% | 0.06% |
| US Small-Medium Stock Index | 0.3% | 0.00% |
| ACWI ex US | 1.6% | 0.00% |
| Options Trading | 18.2% | 0.20% |
| All | 100.0% | 0.16% |
| By Account Type | Allocation | Fees |
| Taxable | 63.8% | 0.22% |
| 401k | 11.4% | 0.00% |
| Deferred Comp | 6.7% | 0.11% |
| IRA (post tax) | 2.2% | 0.05% |
| IRA (rollover) | 12.9% | 0.05% |
| Roth | 1.8% | 0.05% |
| 529 account | 0.6% | 0.12% |
| Health Sav Account | 0.6% | 0.14% |
| All | 100.0% | 0.16% |
Notes:
- We started investing new money in private equity real estate funds. We also shifted money to an option trading strategy that benefits from sideways moving markets.
- We max out our 401k contributions, but taxable accounts grow much more because most of our savings come from bonus money, which is after-tax.
- Home equity is Zillow estimate less 7% for selling cost less mortgage
- Private equity is two investments in multifamily housing funds, projected rental yield ~8%, plus some modest capital gains
- Funds in the 401k are all no fee, apparently subsidized by the employer. Nice!
- Deferred Compensation is bonuses from prior years (already vested) that we voluntarily deferred
- Options trading: I will write some additional detail in a later post, but for right now, this is mostly exposure to US large cap equities