Thanks to everyone for the advice and info! Summarizing my takeaways so far:
To do:
To do:
- Get out of BND in taxable and my Roth IRA, instead hold in Trad IRA
- Dump the green energy fund and real estate funds
- Adjust my investments in tax-sheltered accounts so I'm not holding the same funds as in taxable (to prevent wash sales)
- Keep the MSFT but move it over to where most of our other investments are
- Rollover his old 401(k) accounts*
- *Choose whether to roll both of his old 401(k) accounts into the new 401(k) or into a Trad IRA (backdoor Roth is not a current need based on income but may be in the future)
- Strongly consider simplifying to a 3-fund portfolio (i.e. get out of VBR)
- Weigh whether 457(b) rules justify the more expensive funds available
- Be sure to max out Roth IRA contributions, especially if I decide not to hold the 457(b) account
- If I hold the 457(b) account, plan to transition it to a Trad IRA when I turn 59.5
Statistics: Posted by traseru — Tue Sep 23, 2025 2:13 pm — Replies 7 — Views 675