I am trying to restructure my after tax account, 401K in addition to the newly funded Roth IRA, HSA and 529 accounts. I remember reading a post about diversifying across accounts by placing certain instruments in certain accounts for tax benefits etc but I just cant seem to find it any more. Can you please point me to it or suggest a good structure? I am in early forties and my wife is in mid 30's.
So far
Roth-IRA, HSA and 529 accounts are brand new while my after tax investment account has a mix match of equities with out any plan, that I want to pare down to some funds and few individual stocks.
My 401K (Roughly 140K and will add about 25K per year)
Wife's 401K (Roughly 60K and will try to add max allowed per year)
15% Vanguard Total Intl Stk Idx Admiral (VTIAX)
15% Vanguard Total Bond Mk Index Adm (VBTLX)
20% Vanguard Total Stock Mrkt Idx Adm (VTSAX)
25% Vanguard Mid-Cap Index Adm (VIMAX)
25% Vanguard Small Cap Idx Adm (VSMAX)
Appreciate your input.
Thanks
HI
Edit: Added fund names and 401K amounts.
So far
Roth-IRA, HSA and 529 accounts are brand new while my after tax investment account has a mix match of equities with out any plan, that I want to pare down to some funds and few individual stocks.
My 401K (Roughly 140K and will add about 25K per year)
Wife's 401K (Roughly 60K and will try to add max allowed per year)
15% Vanguard Total Intl Stk Idx Admiral (VTIAX)
15% Vanguard Total Bond Mk Index Adm (VBTLX)
20% Vanguard Total Stock Mrkt Idx Adm (VTSAX)
25% Vanguard Mid-Cap Index Adm (VIMAX)
25% Vanguard Small Cap Idx Adm (VSMAX)
Appreciate your input.
Thanks
HI
Edit: Added fund names and 401K amounts.
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