Yes, this is a great point. I had done that to give myself more room in 401k #1 to hit my international holdings. I reworked this a bit, first putting VTIAX in my Roth, but then I'd lose the FTC. Instead, I reallocated the Roth to VTSAX. I'm still a couple points shy of my target international portion, but I should be able to make that up through regular contributions in my taxable account.I'd use 401k #1 to rebalance. You've got a passive bond fund available for 0.03% ER and plenty of room in that account to switch between bonds and equity.4. Added Fidelity Total Bond in 401k #2 for better asset allocation rebalancing. I'd rather not hold such an expensive fund, but it's handy to have stocks and bonds in this account for rebalancing (I do not contribute any longer to 401k #1).
There's no need to use a bond fund with an ER of 0.45%.
Regards,
The revised portfolio is below. If anyone sees glaring omissions or problems, I'd love to hear about it. Thanks!!
Statistics: Posted by BeeWise — Mon Feb 16, 2026 4:10 pm — Replies 16 — Views 1030