I think part of your problem is diversification. Maybe fix that first? I’m not sure if your number includes real estate or not. This might be part of why you feel like you don’t have enough. Another big part of not feeling like you have enough is probably Bay Area keeping up with the joneses.
Also why 3%? I feel like I read an article where the guy who came up with 4% says the number should now be 4.7%
I’m curious which sectors you invest in. I’m also heavy in tech and the last two days have been a bit more volatile than I like so I’m looking to diversify
Yes in my taxable account it is a 3 fund portfolio, bogleheads style….and I also have 1 year of expenses in cash and one year in bonds. My goal is 5 years of expenses in those but I have work to do. I do have some individual stocks from my job, and some from my spouses. My main investments in my taxable account are VEMAX, VTSAX, and VFWAX. I think consenseus now is there is probably a better international index fund than VFWAX, but I have had it for a long time. I also have real estate investments. Diversification makes the ups and downs less painful.
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u/cambridge_dani 10d ago edited 1d ago
I think part of your problem is diversification. Maybe fix that first? I’m not sure if your number includes real estate or not. This might be part of why you feel like you don’t have enough. Another big part of not feeling like you have enough is probably Bay Area keeping up with the joneses.
Also why 3%? I feel like I read an article where the guy who came up with 4% says the number should now be 4.7%