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  • 401K Rebalancing Question

    Hi,

    I just rebalanced my 401k and HSA.  I have access to Vanguard admiral shares via both accounts and decided on simple 80/20 stock mix (60% domestic/40% international in stocks).




    38% Vanguard 500 Index
    10% Vanguard Extended Market Index
    32% Vanguard total international index
    20% Vanguard total bond market index fund





    Late 30s, partner in private practice group, no debt, no dependents, single, simple lifestyle.  Too aggressive?  Not aggressive enough?  Too simple?  I guess there really isn't a right answer, just curious to see what people think.


    Thank you!

  • #2
    Seems fine to me. Do you have money outside of these accounts? Possibly a 457(b), traditional or Roth IRA, taxable account, etc...?

    If you don't, that's fine, but there's only so much money you can put in a 401(k) and HSA, and if you have additional accounts, you can apply your desired asset allocation across all accounts; it doesn't have to be recreated within each account.

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    • #3
      Seems fine to me. Do you have money outside of these accounts? Possibly a 457(b), traditional or Roth IRA, taxable account, etc...?

      If you don't, that's fine, but there's only so much money you can put in a 401(k) and HSA, and if you have additional accounts, you can apply your desired asset allocation across all accounts; it doesn't have to be recreated within each account.

      Comment


      • #4
        Looks fine to me also.  Agree with POF time to open a taxable account.  Use 20% muni bonds there.

        Comment


        • #5
          Looks good.  A suggestion though:

          a.  Combine your 500 Index (VFIAX) and the Extended Market Index (VEXAX) into a single fund: Vanguard Total Stock Market Index Admiral (VTSAX).

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