Imagine I decided I want 70% VTI, 20% BND, and 10% VXUS. And say I have a taxable account, a trad IRA, a 529 for a 12-year-old's college, and I'll be getting a pension. Should I try to have that 70-20-10 allocation in each of the taxable, the IRA, and the 529? Or should I allocate it more like 90-0-10 in the taxable, 0-100-0 in the IRA, and maybe 50-40-10 in the 529 (given its shorter time horizon)?
As for the pension, I assume I treat that basically like bonds, and so I would lower my bond allocation everywhere, and if it were a very sizable pension, maybe I would be all-stocks in both taxable and IRA?
Tell me what Boglehead wisdom is on this.
As for the pension, I assume I treat that basically like bonds, and so I would lower my bond allocation everywhere, and if it were a very sizable pension, maybe I would be all-stocks in both taxable and IRA?
Tell me what Boglehead wisdom is on this.
Statistics: Posted by scintillator — Sun Jul 07, 2024 4:10 am — Replies 0 — Views 25