Emergency Funds: solid.
Debt: Great and good fortune on the mortgage.
Desired Asset Allocation: I think bonds are more complex than stocks. To that extent, I do think it is good that you have some..so you may better understand them before your bond allocation gets larger further down the road. You don't say why you think you need bonds now? I thought like you and started getting into bonds at age 47. Given my tolerance for risk, I would have been just fine to just keep doing what I was doing until my 50s. YMMV.
Current retirement assets:
* You have investments with small allocations. Do not underestimate the value of simplicity in your portfolio. These little bits are essentially clutter in your portfolio...get rid of them.
* Also, think about your portfolio was a whole. I often see people fill up each account with something like US and Intl. for each account. Alternatively, you could also choose 1 investment for each account and you end up in the same place overall as far as your allocations...but much simpler. For example, I have an account 100% Total US and another account that is 100% Total International. I focus on the whole...not the pieces. Of course, it may not always work out...but I suspect that are some opportunities to simplify.
Contributions: Can you tel me a bit more about what you are wanting to accomplish with taxable? I ask because I have decidedly prioritized tax advantaged accounts over taxable at this stage of the game...interested in a different perspective.
College Funds: Great!
Your Questions
1. If you are happy with the allocation that VT provides...I would definitely simplify.
2. I am not familiar with the 457(b) plan...others will chime in.
3. Yes.
4. As mentioned, I think bonds / fixed income are more complicated than stocks and would start getting educated before you really need them.
5. Look at opportunities to simplify your portfolio with a focus on the whole and not the individual pieces for each account.
Otherwise, keep doing what you are doing...cheers.
Debt: Great and good fortune on the mortgage.
Desired Asset Allocation: I think bonds are more complex than stocks. To that extent, I do think it is good that you have some..so you may better understand them before your bond allocation gets larger further down the road. You don't say why you think you need bonds now? I thought like you and started getting into bonds at age 47. Given my tolerance for risk, I would have been just fine to just keep doing what I was doing until my 50s. YMMV.
Current retirement assets:
* You have investments with small allocations. Do not underestimate the value of simplicity in your portfolio. These little bits are essentially clutter in your portfolio...get rid of them.
* Also, think about your portfolio was a whole. I often see people fill up each account with something like US and Intl. for each account. Alternatively, you could also choose 1 investment for each account and you end up in the same place overall as far as your allocations...but much simpler. For example, I have an account 100% Total US and another account that is 100% Total International. I focus on the whole...not the pieces. Of course, it may not always work out...but I suspect that are some opportunities to simplify.
Contributions: Can you tel me a bit more about what you are wanting to accomplish with taxable? I ask because I have decidedly prioritized tax advantaged accounts over taxable at this stage of the game...interested in a different perspective.
College Funds: Great!
Your Questions
1. If you are happy with the allocation that VT provides...I would definitely simplify.
2. I am not familiar with the 457(b) plan...others will chime in.
3. Yes.
4. As mentioned, I think bonds / fixed income are more complicated than stocks and would start getting educated before you really need them.
5. Look at opportunities to simplify your portfolio with a focus on the whole and not the individual pieces for each account.
Otherwise, keep doing what you are doing...cheers.
Statistics: Posted by invest4 — Tue Dec 23, 2025 6:23 am — Replies 3 — Views 340