My wife and I have many accounts (401k, Roth, HSA, Taxable). When I set up the AA years ago I basically had pretty much everything in a Total Market index fund and then had one Bond Market fund that had a low cost in one of our 401ks account for our bonds (the bond allocation across the total portfolio).
As time has gone on I’m finding that this is resulting in one 401k having like 70% bonds and everything else being 100% total market. If there was a crash of some sort I’d be able to rebalance in the one 401k fund that had the bonds but there isn’t really anything that I can do in the other accounts that are 100% equities.
Am I putting myself in an unfavorable position in an attempt to keep everything simple by having the bonds in just one account? So I need to set each of our accounts to have the desired asset allocation?
As time has gone on I’m finding that this is resulting in one 401k having like 70% bonds and everything else being 100% total market. If there was a crash of some sort I’d be able to rebalance in the one 401k fund that had the bonds but there isn’t really anything that I can do in the other accounts that are 100% equities.
Am I putting myself in an unfavorable position in an attempt to keep everything simple by having the bonds in just one account? So I need to set each of our accounts to have the desired asset allocation?
Statistics: Posted by sapper1371 — Mon Jan 22, 2024 5:57 pm — Replies 3 — Views 164