Personal Investments • Re: Seeking Advice: Retirement Account Overhaul Needed

Thanks for your welcome, @ruralavaion!

I appreciate your response. I've replied to your reference questions via "edit" in my original post.

Once you have decided on an overall plan for your portfolio, make the changes all at once, not in stages.

I see no benefits to stringing out the process.

It just feels like we're on the precipice of a correction - I'd hate to buy in when S&P is so dang high - especially in a lump sum. This was my reasoning for a more gradual reallocation strategy.

If you plan to stay with the federal government until retirement and so receive a federal pension in addition to Social Security benefits, then I suggest Roth contributions.

I do not plan on working with the federal government until retirement age. Ideally, I'm looking at a 5-6 year horizon for full-time employment. I may be able to work in a part-time or per diem capacity from that point forward with a probable income range of $70 - 100k.

Statistics: Posted by mjsfbay — Thu Jul 11, 2024 1:45 pm

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