If you are comfortable doing so, please share portfolio analysis results and 2026 investment plans.
I reviewed my portfolio on New Year's Day.
The portfolio's value increased 15.25% from 01/01/2025 - 01/01/2026.¹
Stocks comprise 60.04% of the portfolio — 58.00% U.S., 42.00% foreign.
The portfolio includes a 26.23% bond allocation and a 13.73% cash position.²,³
The asset percentages are approximate but they should be fairly accurate.
After my single T-Bill matures on 01/02/2026, most of the proceeds will be directed towards BBBIX.
Bonds and cash will then comprise 32.73% and 7.23% of the portfolio respectively.
The overall asset allocation is within my target range and I'm satisfied with most of the individual holdings.⁴
I don't anticipate implementing any significant portfolio changes this year.⁵
Edit/Add: Portfolio account percentages:
Trad IRA: 37.45%
Taxable: 32.96%
Roth IRA: 22.09%
Treasury Direct: 4.63%
Health Savings: 2.87%
¹ Includes IRA & 401(k) contributions during 1H 2025 and several small withdrawals during 2H 2025.
² Cash includes MMFs, I-Bonds, and T-Bills.
³ Excludes cash held within OEFs and ETFs.
⁴ I would replace an OEF in my taxable account if there weren't sizable tax repercussions.
⁵ I moved and consolidated multiple investment accounts in 2025.
Comments
Here's my own, from a different thread:
We don't like to do this through the year. Once per year, on 1st of Jan. might be OK to look back and see if there's been any progress?
My stash is 52.66% stocks, 46.09% bonds. I just went to the calculator to work the numbers, comparing the end-total from 2025 to the total at year-end of 2024.
+8.05%. I can't complain, with so much in bonds. I can smile. That kind of performance will not shoot the lights out, but it's pleasing. I'll take it with no complaints. Surely, others have done better. It's a good thing just to see a positive, rather than a negative, number. Naturally, such a big stake in bonds is going to throttle-back the growth, in order to get income. And since other people depend on me, it's satisfying to be able to assist them.
"CASH" is 1.25% of total portfolio.
BLX is 7.66% of total.
ET is 5.97%
FBP is 3.65% of total.
EWS is 0.42% and I'll be growing it. Everything I see says US gains will shrink over coming years, yet I wanted a developed foreign Market in Asia, rather than EM.
PRCFX is 13.99%
PRWCX is 39.78%
PRCPX is 21.31%
TUHYX is 1.3% I'm growing this guy in baby steps, inch by inch.
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@dily said:
Glad this portfolio works for you, but your cheapest mutual fund charges 65 basis points. You are paying A LOT in expenses every year by holding “pricey” TRP funds accounting for about 75 percent of your total portfolio.
My reply: Thanks for that nudge.... Surely there are some good alternatives. I'll look. Happy New Year.
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I am deliberately looking for dividends at this stage, at least 3%. I am deliberately avoiding anything that would withhold a portion of dividends before they are received. My understanding is that Singapore is a safe bet, though the ETF is domestic, with iShares. Why avoid withholding? In my tax bracket, I pay zero on dividends and cap gains. Why let someone else keep it? This precludes a range of options, but still gives me quite a big sandbox to play in.
I will probably trim some major gainers in the new year, and possibly reduce my PRWCX a bit.
- 25% alternative funds (QLENX and QDSNX)
- 30% CDs > 4% interest
- 45% mostly multisector bond funds (BINC, DHEAX, ESIIX, PYLD and RCTIX)
However, in May my CDs will mature and, depending on what the market has to offer at that time, I will most likely redistribute a portion of the proceeds to some of my existing bond funds (e.g., ESIIX and/or PYLD), and the other portion to two allocation funds (PMAIX and PRCFX).
Normally, I don't hold any cash in my portfolio since I have sufficient other income sources to defray my living expenses. But, to meet my comfort level, I will still limit my total equity allocation to 35% max. since I don't really need a lot more money - but I certainly don't want to lose a lot, especially at my age.
Good luck to everybody in the new year.
Will be moving some MMF/TBUX to bond oef in 2026, as I continue my pre-retirement allocation shift. And as rates continue down. I started that process today.
Also, doubled my 401K contribution to reach IRS limits by mid-year. And halved my HCRA, so not to leave money on that table. Then, I "officially" retire. My company had asked me to stay until then, when our legacy hardware is fully retired as well. They have paid me to remain as a SME, with few duties or requirements for almost 5 years. I could transition to a related platform (new tech), but not interested.
Shooting for 60/30/10 future portfolio. Work in progress.
Thanks for sharing.
I saw your thread but didn't want to step all over it so I started a new thread.
You have an interesting portfolio.
QLENX had an outstanding year with a 34.06% return according to M*.
This fund has performed very well since 2021 with a 5-year trailing return of 27.38% as of 12/31/2025.
I wish you continued luck with it!
Congratulations!
It sounds like you have a nice agreement with your employer to remain as a SME.
You work in the telecom industry, correct?
Yes, telecom hardware/software is my specialty field. I retire with 45 years at essentially the same corporate entity. A job that I truly enjoyed for most of that time.
Thank you!
I was with the same company for 21 years, 8 months before my employment
was terminated due to a "reduction in force" which occurred Feb. 2025.
Sorry to hear that. Their loss, I am certain. I hope you are/were able to parlay that into improved circumstances, better job, better pay, early retirement...
I can't really complain about the situation.
My employer was a good company with many fine people.
A reasonable severance payment (not life-changing but ok) was made.
I was planning to retire in 2-3 years but decided to retire early instead.
Yesterday I brought my equity allocation down 10 ppts to 50% (I’m 57) and feel I don’t like the risk reward as much from here. It’s the biggest one day change I’ve ever made by far. I am also confident my fixed income allocation can now deliver 6%+ returns. My fixed income allocations are:
NRDCX 8.5%
ACBAX 8.5%
HOSIX 6.8%
USDX 5.9%
CBLDX 5.4%
CLOA 1%
CBUDX 1%
The rest is in cash via funds such as FPACX (12% allocation to this fund).
I feel this is generally a short term high yield allocation with limited correlations to equities risk and corporate credit spread widening.
One equity fund I believe offers a strong risk/reward proposition from here is GPGIX. Quality international small and mid cap growth stocks have been left in the dust and this fund has suffered as a result. But I still believe the management team and their approach.