Please pardon the alliteration in the thread title.
Okay, as anyone can see here (http://www.early-retirement.org/for...ibernation-i-need-suggestions-long-27909.html ) I have only been investing for about a year. I am now stuck and have done various internet searches, but can’t find what I’m looking for.
In many of the books I’ve read, I’ve seen mention of treating all your accounts like one contiguous account AFA asset allocation goes. Put tax-efficient funds in your taxable accounts and tax inefficient funds in 401k and Roth, etc. Simple enough and makes sense. But I’m confused about spreading the asset allocation across all accounts in total. Do you have, for example, 1-4 funds in the His Roth and 1-4 in the Her Roth and 1-4 in the 401k that completes your AA?
As it stands now, I’ve got basically the asset allocation I want in my 401k and our Roths are in VG Target Retirement Funds. I also have a taxable account with VG Total International. As we build up our Roths, I am wondering if I should break out of the Retirement Fund so that I can slice and dice the index funds that I want at the percentage I want. There are classes not currently in the Retirement Fund that I’d like to include. If I had to boil this convoluted post down to one question, it would be this: Do you spread your asset allocation over all your accounts or do you treat each account separately? In either case, why? Okay, that’s two questions.
I’m looking to see how others do it and the reason they do it that way.
Thanks in advance.
Okay, as anyone can see here (http://www.early-retirement.org/for...ibernation-i-need-suggestions-long-27909.html ) I have only been investing for about a year. I am now stuck and have done various internet searches, but can’t find what I’m looking for.
In many of the books I’ve read, I’ve seen mention of treating all your accounts like one contiguous account AFA asset allocation goes. Put tax-efficient funds in your taxable accounts and tax inefficient funds in 401k and Roth, etc. Simple enough and makes sense. But I’m confused about spreading the asset allocation across all accounts in total. Do you have, for example, 1-4 funds in the His Roth and 1-4 in the Her Roth and 1-4 in the 401k that completes your AA?
As it stands now, I’ve got basically the asset allocation I want in my 401k and our Roths are in VG Target Retirement Funds. I also have a taxable account with VG Total International. As we build up our Roths, I am wondering if I should break out of the Retirement Fund so that I can slice and dice the index funds that I want at the percentage I want. There are classes not currently in the Retirement Fund that I’d like to include. If I had to boil this convoluted post down to one question, it would be this: Do you spread your asset allocation over all your accounts or do you treat each account separately? In either case, why? Okay, that’s two questions.
I’m looking to see how others do it and the reason they do it that way.
Thanks in advance.