For various reasons, we have multiple accounts that we cannot contribute. My wife has an old 401K, I have a TSP, and now I have a 401K I can't contribute - all because of job changes, as well as an HSA.
All of these accounts had a standard Vanguard 3 fund allocation Stock/Bonds/Intl - which I'm a fan of, consider dollar cost averaging over the long run.
I think, though, since I can't contribute to these funds anymore, that theory of dollar cost averaging no longer holds sway.
So how should I allocate in these deads funds? Convert the 401Ks into an IRA and then transfer into the TSP? Allocate them as is and leave alone for the long run (I'm 25 years from retirement). Each vehicle as about 25K in them.
Thanks,
All of these accounts had a standard Vanguard 3 fund allocation Stock/Bonds/Intl - which I'm a fan of, consider dollar cost averaging over the long run.
I think, though, since I can't contribute to these funds anymore, that theory of dollar cost averaging no longer holds sway.
So how should I allocate in these deads funds? Convert the 401Ks into an IRA and then transfer into the TSP? Allocate them as is and leave alone for the long run (I'm 25 years from retirement). Each vehicle as about 25K in them.
Thanks,
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