We have developed an overall allocation for our assets that feels pretty good. Am now thinking about specific Roth account allocation. Up until now, have allocated our Roths (approx 5% of total) to Total Stock Market Index. Thinking now that withdrawal strategy should incorporate keeping within 15% (currently) marginal federal tax bracket. For us that means probably beginning relatively small Roth withdrawals in 5-10 years.
Sooo, thinking about changing Roth allocation to something like 70-30 with the stock being Small Cap Value and the bond being either TIPS fund or Total Bond Market. Any thoughts?... Thanks, Bill
Sooo, thinking about changing Roth allocation to something like 70-30 with the stock being Small Cap Value and the bond being either TIPS fund or Total Bond Market. Any thoughts?... Thanks, Bill