Right now, essentially all of our retirement savings are in various tax-advantaged plans, the usual mix of 401(k), Roth, IRAs, etc.
Overall, I'm comfortable with my asset allocation between stocks/bonds, and within my stocks I'm comfortable with my asset allocation between U.S./International. I know I maybe have some tweaks to make with respect to value/small-cap/etc., but basically at this time I'm cool with the asset allocation.
What I'm wondering is whether there is a better way to spread out the same asset allocation among the 401(k)/IRA/Roth. E.g. does it make more sense to concentrate my bond fund holdings in a Roth, or in a traditional IRA, rather than spreading it out among the different accounts? (Leaving aside the potential benefits of consolidating to obtain lower expense ratios via Admiral Shares ... I know that's one factor, but I'm trying to see if there are any other considerations before I make any adjustments for that reason.
Below is how my retirement accounts are currently allocated. Does anything jump out at you in terms of a better way to structure things (again, setting aside for now the potential benefits of consolidating different funds in different accounts to reach a higher balance and reap the reward of lower fees from Admiral Shares).
My 401(k) (roughly 15% overall retirement assets)
Total Bond Mkt Index Inv = 22%
Total Int'l Stock Index = 42%
Total Stock Mkt Idx Inv = 36%
My Rollover Traditional IRA (roughly 65% overall retirement assets)
Total Bond Mkt Index Inv = 16%
Target Retirement 2040 = 48%
Total Int'l Stock Index = 16%
REIT Index Fund Inv = 7%
Total Stock Mkt Idx Inv = 13%
My Traditional IRA (roughly 2% overall retirement assets)
Target Retirement 2040 = 100%
Spouse Traditional IRA (roughly 4% overall retirement assets)
Target Retirement 2040 = 100%
Spouse SEP-IRA (roughly 4% overall retirement assets)
Target Retirement 2040 = 100%
My Roth IRA (roughly 5% overall retirement assets)
Target Retirement 2040 = 100%
Spouse Roth IRA (roughly 5% overall retirement assets)
Target Retirement 2040 = 100%
Taxable Accounts Dedicated to Retirement
(none at this time)
Overall, I'm comfortable with my asset allocation between stocks/bonds, and within my stocks I'm comfortable with my asset allocation between U.S./International. I know I maybe have some tweaks to make with respect to value/small-cap/etc., but basically at this time I'm cool with the asset allocation.
What I'm wondering is whether there is a better way to spread out the same asset allocation among the 401(k)/IRA/Roth. E.g. does it make more sense to concentrate my bond fund holdings in a Roth, or in a traditional IRA, rather than spreading it out among the different accounts? (Leaving aside the potential benefits of consolidating to obtain lower expense ratios via Admiral Shares ... I know that's one factor, but I'm trying to see if there are any other considerations before I make any adjustments for that reason.
Below is how my retirement accounts are currently allocated. Does anything jump out at you in terms of a better way to structure things (again, setting aside for now the potential benefits of consolidating different funds in different accounts to reach a higher balance and reap the reward of lower fees from Admiral Shares).
My 401(k) (roughly 15% overall retirement assets)
Total Bond Mkt Index Inv = 22%
Total Int'l Stock Index = 42%
Total Stock Mkt Idx Inv = 36%
My Rollover Traditional IRA (roughly 65% overall retirement assets)
Total Bond Mkt Index Inv = 16%
Target Retirement 2040 = 48%
Total Int'l Stock Index = 16%
REIT Index Fund Inv = 7%
Total Stock Mkt Idx Inv = 13%
My Traditional IRA (roughly 2% overall retirement assets)
Target Retirement 2040 = 100%
Spouse Traditional IRA (roughly 4% overall retirement assets)
Target Retirement 2040 = 100%
Spouse SEP-IRA (roughly 4% overall retirement assets)
Target Retirement 2040 = 100%
My Roth IRA (roughly 5% overall retirement assets)
Target Retirement 2040 = 100%
Spouse Roth IRA (roughly 5% overall retirement assets)
Target Retirement 2040 = 100%
Taxable Accounts Dedicated to Retirement
(none at this time)