I finished training and started my first job last July. I don't love the investment options with my employer-most of them have high fees.
I have already maxed out my 457 B and will max out my 401 K for the year. All of my contributions are in the Vanguard Institutional Index.
I want to continue contributing 20% of my income to retirement planning and am trying to have a more diversified portfolio.
My plan at this point is to invest in a Vangaurd total bond fund with after tax dollars but how can I rebalance my portfolio if all of my pre-tax investments are through work in one fund and all my post tax investments are in a separate bond fund.
I'm only 32 so I don't mind having all my money in stocks currently but I need to have a long term plan where I can start rebalancing and placing money in less risky investments.
I have already maxed out my 457 B and will max out my 401 K for the year. All of my contributions are in the Vanguard Institutional Index.
I want to continue contributing 20% of my income to retirement planning and am trying to have a more diversified portfolio.
My plan at this point is to invest in a Vangaurd total bond fund with after tax dollars but how can I rebalance my portfolio if all of my pre-tax investments are through work in one fund and all my post tax investments are in a separate bond fund.
I'm only 32 so I don't mind having all my money in stocks currently but I need to have a long term plan where I can start rebalancing and placing money in less risky investments.
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