Personal Investments • Need advice with Portfolio

Welcome to the forum.

I agree with the first response suggesting you should provide more information using the format in the responder's link.

However, some initial thoughts below.

They had our taxable accounts in the total stock market index fund and all of our roth IRA's in Bond funds.

Total stock market funds are more tax efficient than bond funds. Perhaps this was the reason.

I am turning 65 in a month and my wife will be 63.

What is your plan for when to start taking social security? SS is a superb inflation-protected income asset. I suggest using this tool to help decide when to take SS. https://opensocialsecurity.com/

I ask this because it may make sense to delay taking social security and spend more from your portfolio until that time.

I was planning on a rebalance when the next bear market happens, if it happens.

Market timing and keeping money out of the market is a very poor investment strategy. Select an asset allocation, invest your money according to that asset allocation, and stay the course.

Statistics: Posted by dogagility — Sat Apr 27, 2024 4:54 am — Replies 2 — Views 184

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