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Your spouse’s desire to use target date funds (TDF) in tax-advantaged accounts is fine. Choose TDFs that hold approximately 75% equity which is in line with your overall portfolio allocation.
You have available contribution space in your tax advantaged accounts. Consider using your Taxable account’s dividends (turn off dividend reinvestment) to utilize this space. At a minimum, contribute to Roth > Taxable as a Roth account grows tax free.
With your recent marriage, be sure your and spouse’s estate documents and account/insurance beneficiary designations are up-to-date. Also review the adequacy of your home/auto/umbrella insurance especially when your household adds a new young driver next year.
Your spouse’s desire to use target date funds (TDF) in tax-advantaged accounts is fine. Choose TDFs that hold approximately 75% equity which is in line with your overall portfolio allocation.
You have available contribution space in your tax advantaged accounts. Consider using your Taxable account’s dividends (turn off dividend reinvestment) to utilize this space. At a minimum, contribute to Roth > Taxable as a Roth account grows tax free.
With your recent marriage, be sure your and spouse’s estate documents and account/insurance beneficiary designations are up-to-date. Also review the adequacy of your home/auto/umbrella insurance especially when your household adds a new young driver next year.
Statistics: Posted by HomeStretch — Tue Nov 25, 2025 12:39 am — Replies 1 — Views 209