The PoF Portfolio in 2023

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Would you believe it’s been over two years since I last updated the PoF Portfolio? Me neither, but it’s the truth, and it’s time for some updated screenshots and explanations. What is the PoF Portfolio? It’s simply the investment portfolio of this website’s founder. It’s not the perfect portfolio, and neither is yours, but it’s what I’ve got.

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It may look complex, but a three fund portfolio remains the core of my investment portfolio and philosophy. Let’s jump right in. Here’s what it looks like today. Further down the page, I’ll give you an opportunity to download the template I used to create this, and you can read more about it here.

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There’s a Three Fund Portfolio in There Somewhere

Let’s start with the questionable assertion that a “three fund portfolio” is the core of what you see above. Specifically, a three fund portfolio contains – a total U.S. stock market fund – a total international stock market fund – a total bond fund

My largest holding, representing 15% of the entire portfolio, is VTSAX. I’ve also got the S&P 500 and a large cap tax managed fund in the taxable brokerage account, giving me a bit of a large cap tilt there. Tax loss harvesting is the reason I own three different funds here instead of just one.So each month, you’re cash flow positive in the amount of $2,325 or $27,900 per year!

That tilt is balanced out by mid cap and small cap funds in my Roth IRA and the extended market index (mid cap and small cap stocks) in my 401(k). You’ll also note a Schwab total stock market fund in my 2nd (solo) 401(k). Add them all up, and you get $445,773, or about 45% of the portfolio in index funds that are components of the total stock market.

Since I don’t own any individual foreign stocks but do own total international, ex-U.S. and emerging market funds, I can simply use the spreadsheet’s calculated figure of $134,788, or 13.5% of the portfolio invested in the international stock market.

I own I bonds in my Treasury Direct account and the Vanguard total bond fund in my HSA, 457(b), and 401(k). I’m not keen on a large bond allocation, and these add up to $58,852, or about 5.9% of the portfolio in bonds.

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The PoF Portfolio in 2023

There’s a Three Fund Portfolio in There Somewhere

Let’s start with the questionable assertion that a “three fund portfolio” is the core of what you see above. Specifically, a three fund portfolio contains – a total U.S. stock market fund – a total international stock market fund – a total bond fund

The Total Stock Market

Since I don’t own any individual foreign stocks but do own total international, ex-U.S. and emerging market funds, I can simply use the spreadsheet’s calculated figure of $134,788, or 13.5% of the portfolio invested in the international stock market.

International Stock Market

I own I bonds in my Treasury Direct account and the Vanguard total bond fund in my HSA, 457(b), and 401(k). I’m not keen on a large bond allocation, and these add up to $58,852, or about 5.9% of the portfolio in bonds.

Bonds

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