Personal Investments • What percentage of portfolio in Roth versus tax deferrred?

Is there a rule of thumb for how much of one's portfolio should be in Roth accounts versus tIRA/401K accounts? Sort of like 60/40 for asset allocation. As a baby boomer, I'm late to the Roth game, but have aggressively converted and contributed to a Roth 401K so now have about 25% of my portfolio in Roth accounts. Only about 15% in taxable, the balance in tax deferred accounts. I know the details depend on individual circumstances like age, legacy and charity goals, other income sources, etc., but I am just curious if others have a rough goal they shoot for. I know I do not want 100% in Roth accounts because we are "self-insured" for long-term-care so want some in tax deferred accounts to withdraw essentially tax-free (after 7.5% medical deduction limit) to cover LTC if needed. But struggling with how much further to go on the Roth conversion/contribution train...

Wrench

Statistics: Posted by Wrench — Wed Sep 11, 2024 3:25 pm — Replies 10 — Views 265

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