What's in my portfolio?

Disclaimer: This is what my portfolio consists of and this is not investment advice. You should make your own educated decisions before investing you money in any way.

I realized that I talked a little bit about investing but never really divulged how I actually invest my retirement money. I am currently very passive about my investing. I will represent all of my portfolio in percentages to give a broad, easy-to-read picture. Luckily in my case it is simple!

I currently have 3 investment accounts: Taxable Brokerage, Roth IRA, and SIMPLE IRA (my work's 401 (k)-like plan). The majority lives in the SIMPLE IRA and all previous investments were rolled over and converted to my Roth as they were relatively small.

Portfolio Breakdown:

  • Cash (Money Market): 0.19%
  • GE (General Electric): 1.16%
  • HYF (High Yield Bond Fund): 13.01%
  • RIT (Real Estate Income Fund): 1.00%
  • IWO (iShares Russell 2000 Growth): 2.43%
  • IWN (iShares Russell 2000 Value): 3.26%
  • IWF (iShares Russell 1000 Growth): 3.92%
  • IWD (iShares Russell 1000 Value): 3.23%
  • EFA (iShares MSCI EAFE Index): 3.02%
  • EEM (iShares Emerging Markets Index): 7.08%
  • VFIFX (Vanguard 2050 Retirement Fund): 61.70%
As you can see over half of my portfolio is in my company plan. I have been here 3 years and the 3%/100% matching contribution has really added up. My second largest holding is HYF which pays a large dividend that I reinvest. I hold GE with my "play" investing money and is a very small position that I set for dividend reinvestment. All other holders in my Roth. I diversified what little I had with iShares since I did not have enough at the time to buy into a single mutual fund. I will simply hold these until I retire or find a better alternative.

I am definitely taking the "lazy man's" approach here as I am focusing on debt elimination and don't have a lot of time to seek out the absolute best investment mix at this time. I am happy with the mix I currently have and will stick with it until I start more heavily contributing. All my investments are currently in the positive and I plan to keep going!