Hey all, long-time lurker, first time poster. I (~30 M) have been considering shifting my portfolio and am looking to gut-check some recommendations. DINK household, maxing out 401(k) at 2:1 Roth/traditional, maxing HSA, maxing Roth IRA, one year's expenses in HYSA, taxable brokerage for anything leftover. MCOL area with about $75K annual spend including 15-year mortgage. No firm target age or FIRE number, but hoping to wind down around 50 and maintain my current modest lifestyle with a bit less cooking and a bit more international travel. Partner will have a government pension in addition to the above and is planning to work a bit beyond my RE.

    Right now I'm about 90/10 diversified stocks to bond indexes, overleveraged in US equities and planning to gradually increase international exposure. That mix is generally consistent across my accounts. So the pieces of advice I'm hoping to confirm/reject:

    • Shift to a 80/20 bond mix given my planning horizon. More conservative than most 30-year-olds due to FIRE goals.
    • Over-allocate bonds in traditional 401(k) for tax advantages – lower, slower growers in deferred-tax accounts. Also keeps "safer" money in accounts that will be used later in retirement.
    • 100% equities in Roth, HSA, taxable brokerage. If the first bullet is valid and I plan to use the taxable brokerage for FIRE pre-Roth ladder, would I not want some of my bond exposure in the "earliest" pool of money? Should I gradually start to add that closer to my FIRE date?

    I don't want to tamper growth during accumulation, but I do have concerns about market volatility. Medium risk tolerance.

    Thanks in advance for your thoughts!

    Gut-Checking a Few Ideas
    byu/XJ-0461_B5429671 infinancialindependence



    Posted by XJ-0461_B5429671

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