Are you able to invest your 401k pretax/Roth/after tax accounts separately or are you required to use the same allocation/holdings across all accounts? If the former, use the S&P500 fund in the Roth 401k which will also help reduce your portfolio bond allocation.
The 10.1% bonus/ESPP stock position is becoming significant. Single stocks carry more risk especially if it is a current employer stock. Turn off reinvestment of dividends/capital gain distributions. Set a max portfolio % for this stock and sell anything > that %. Reinvest any dividends and sale proceeds in a more diversified equity fund/ETF.
You are holding 10% in cash in your Taxable account for a potential down payment. Quitting your job and taking a 6-month employment break seems at odds with this goal as it will make it difficult for a period of time to qualify for a new mortgage. It may also be hard to give up your current 2.625% mortgage rate.
The 10.1% bonus/ESPP stock position is becoming significant. Single stocks carry more risk especially if it is a current employer stock. Turn off reinvestment of dividends/capital gain distributions. Set a max portfolio % for this stock and sell anything > that %. Reinvest any dividends and sale proceeds in a more diversified equity fund/ETF.
You are holding 10% in cash in your Taxable account for a potential down payment. Quitting your job and taking a 6-month employment break seems at odds with this goal as it will make it difficult for a period of time to qualify for a new mortgage. It may also be hard to give up your current 2.625% mortgage rate.
Statistics: Posted by HomeStretch — Tue Jul 16, 2024 6:02 am — Replies 2 — Views 280