You should view your accounts as a whole to divide, as tax efficiently as possible, your overall asset allocation. Total the funds in each account, then take your percentage targets and go: “Okay, 75% of this is stocks which is $X and 25% of this is bonds which is $Y.” Read about tax efficient fund placement: https://www.bogleheads.org/wiki/Tax-ef ... _placement.
Agree with WeakOldGuy on many points he made. For simplicity, I would hold VT as your stock percentage in all tax advantaged accounts. Your Traditional IRA might be all bonds depending on how much relative money you have in each. Hold VTI/SCHB in taxable and a developed international fund like VEA.
Using the standard “Asking Portfolio Questions” format and putting real numbers would help us give you more detailed advice: https://www.bogleheads.org/forum/viewtopic.php?t=6212.
Agree with WeakOldGuy on many points he made. For simplicity, I would hold VT as your stock percentage in all tax advantaged accounts. Your Traditional IRA might be all bonds depending on how much relative money you have in each. Hold VTI/SCHB in taxable and a developed international fund like VEA.
Using the standard “Asking Portfolio Questions” format and putting real numbers would help us give you more detailed advice: https://www.bogleheads.org/forum/viewtopic.php?t=6212.
Statistics: Posted by TheWizardInBlack — Tue Nov 18, 2025 11:40 pm — Replies 3 — Views 272