Hi,
My wife and I are both 1st yr ER attendings and both naive to the exciting world of finance.
I practice in employee model and have work 401k which offers descent Schwab ETFs and an HSA with Vanguard total stock/bond options. My wife is an independent contractor. Im getting ready to open up solo-401k for my wife at Vanguard.
After reading handful of books and consistently following WCI, i have decided 80/20 stock/bond distribution.
My question is, should i focus on his and hers asset allocations separately or should i try and design a combined portfolio to ultimately show the 80/20 that i desire? Any ideas will be greatly appreciated.
Sorry if the question is too basic or vague, I am very new to this field and I truly appreciate everyones time and input.
My wife and I are both 1st yr ER attendings and both naive to the exciting world of finance.
I practice in employee model and have work 401k which offers descent Schwab ETFs and an HSA with Vanguard total stock/bond options. My wife is an independent contractor. Im getting ready to open up solo-401k for my wife at Vanguard.
After reading handful of books and consistently following WCI, i have decided 80/20 stock/bond distribution.
My question is, should i focus on his and hers asset allocations separately or should i try and design a combined portfolio to ultimately show the 80/20 that i desire? Any ideas will be greatly appreciated.
Sorry if the question is too basic or vague, I am very new to this field and I truly appreciate everyones time and input.
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