The December 2025 statements have landed and here’s how our investments sit.
The Roth/HSA tax free bucket should surpass after tax in another month or two. This is the focus of most of our future investment contributions: +8,600 Mr. Roth IRA, +8,750 Mrs. HSA, +24,500 Mrs. Roth 403b, +7,500 Mrs. Roth IRA.
As for asset allocation, no big changes or even rebalancing in 2025 or 2024. If we did rebalance, I would sell VTSAX in Mr Rollover IRA and purchase more VBTLX. Simple as simple does.
| Mr Rollover IRA | 66% VTSAX 34% VBTLX — The only place bonds are held other than I bonds. |
| Mrs 403b | 100% VITPX (institutional VTSAX) |
| Mrs 457b | 100% VITPX (institutional VTSAX) |
| Mr Roth IRA | 100% VTSAX |
| Mr HSA | 47% FSKAX — Selling FSKAX as Mrs HSA builds up. 52% VTI 1% money market |
| Mrs HSA | 100% VTI |
| Mrs Roth IRA | 100% VTI |
| Mrs Roth 403b | 100% VITPX (institutional VTSAX) |
| Mrs Brokerage | 17% VTI 11% ITOT — ACATS transfer from Betterment. Doesn’t make sense to pay capital gains taxes to exchange for VTI. 72% VMFXX (money market in Joint Cash cell) |
| Joint Brokerage | 85% VTSAX 15% VMRXX (money market in Joint Cash cell) |
| Joint I Bonds | Five $10k Series I savings bonds plus interest. Purchased Dec (2021, 2022, 2023, 2024, 2025). |
| Joint Cash | Possibly too high but we may purchase a new home to facilitate rebalancing 🙃 |
Why VTSAX? https://jlcollinsnh.com/2012/05/12/stocks-part-vi-portfolio-ideas-to-build-and-keep-your-wealth/
What if you can’t buy VTSAX? https://jlcollinsnh.com/2013/05/02/stocks-part-xvii-what-if-you-cant-buy-vtsax-or-even-vanguard/
