Originally Posted by pb4uski
I think you plan is sensible. I invest in fixed income separately from equities mostly for tax efficiency (fixed income in tax deferred accounts, equities that pay qualified dividends in taxable accounts) but if I didn't have significant taxable accounts I would simplify with balanced funds in my tax-deferred accounts.
As I read your post I was thinking a one stop solution might be one of Vanguard's target date funds that is consistent with your desired AA. Have you had a session with Vanguard's financial planning professionals?
Thank you for the sanity check. I have not taken advantage of the "freebie" with one their financial planners that I was offered several times in the past as a Vanguard "Flagship Member" (I have always been leery of taking investment advice of a financial planner that works where a large portion of my assets are.) Good to be reminded about that.
My next 401K move later this year may put me in the next "membership level" where their planning services are free since then I will be over 500K. Just can't remember if it's 500K or one million. Oh well, easy enough to check/schedule with a simple phone call. Thanks again!
PS - I think I did take a quick look at the target date funds in both my 401K and Vanguard and their performance was so-so (JMHO), although I do have half (~$80K) of my megacorp 401K in the "currently retired" target date fund (so it's a bit bond heavy). The rest is spread across the few equity funds they have. Sometimes that phone looks pretty heavy, LOL.