I opted against purchasing any more I-bonds in October favoring instead to continue to fund equity purchases in my taxable brokerage account. I'm planning on soon adding $110K+ in after tax inflows to the brokerage account.
Would you consider paring down equity exposure in the 401K by an offsetting amount to increase the fixed income position, or would that be overly conservative? I likely will not be able to touch the retirement accounts for 10-years @ 59.5 which could be an argument to stand pat. On the other hand a beefed up bond position would trim equity exposure by 2% as I'm about to turn 50 and perhaps put me in a better position to sustain the next equity bear market. Excluding 529 money:
$1.7M After tax (+ $110K incoming):
90% VTSAX
10% I-Bonds + cash
$3.0M Retirement accounts (401Ks + Roth + HSA):
37% US Stock
34% Intl Stock
30% US Bonds
Total AA on $4.7M:
56% US Stock
21% Intl Stock
19% Bonds
4% I-Bonds + cash
Would you consider paring down equity exposure in the 401K by an offsetting amount to increase the fixed income position, or would that be overly conservative? I likely will not be able to touch the retirement accounts for 10-years @ 59.5 which could be an argument to stand pat. On the other hand a beefed up bond position would trim equity exposure by 2% as I'm about to turn 50 and perhaps put me in a better position to sustain the next equity bear market. Excluding 529 money:
$1.7M After tax (+ $110K incoming):
90% VTSAX
10% I-Bonds + cash
$3.0M Retirement accounts (401Ks + Roth + HSA):
37% US Stock
34% Intl Stock
30% US Bonds
Total AA on $4.7M:
56% US Stock
21% Intl Stock
19% Bonds
4% I-Bonds + cash
Statistics: Posted by PA_Boglehead — Fri Nov 07, 2025 9:52 pm — Replies 22 — Views 4375