@Mdowning30 wrote:
Im currently contributing to my County government retirement plan that is put in a U.S. Stock Index Fund. I also have an HSA with PayFlex through my employer that i have money invested in the investment account in an American Century Mid Cap Value Fund that pays dividends quarterly. Also a Roth IRA with Charles Schwab invested in Schwab US Large Company Index Fund. Im not into Crypto currencies, Art, real estate, or bonds.
At a high-level, my SO and I:
- 3x 401k are mostly in various ETFs and target date funds, but there's a few individual positions
- 403b is 100% ETFs (plan to roll it over to the 401s someday)
- 2x Roth IRAs are a mix of individual and ETFs
- HSA is almost entirely invested across 5 ETFs
- 4x taxable brokerage accounts that are almost entirely individual positions
- A small hodgepodge of private investments through services like Mainvest
Across all of this, the breakdown of ETF/fund to individual holdings in terms of total portfolio is in the neighborhood of 50/50, though has been starting tip toward a larger individual holding as our taxable brokerage contributions have been exceeding what we can put into tax-advantaged accounts for several years now.
I don't factor any real estate equity or art/collectible holdings into our assets in terms of financial planning, so it's not relevant.
Starting Score: 512
