Personal Investments • Re: Four Fund Portfolio Asset Location Strategy

These are my 2023 contribution percents per account type of total savings:
Tax-Free: 21%
Tax-Deferred: 13%
Taxable: 66%

With these ratios, the money should flow into your planned portfolio just fine. That is because of the large amount going into taxable. I don't see any gotchas myself.

I'm glad you understood what I was trying to show - I didn't do the best job of explaining it!

One thing you have not told us - do you really have BND and BNDX and a total international available in the tax-deferred plan you have at work?

Are there any other reasons why the portfolio you suggests often works well in most situations?

One reason that does not seem to apply to you - almost every work plan offers some kind of large cap blend fund like 500 index but many do not offer a decent international stock fund at a low cost. That has a lot to do with "my" plan works in so many situations and yours would not.

If you have the bonds and a good international available at work, your plan should be fine.

Statistics: Posted by retiredjg — Sun Jan 07, 2024 7:14 am

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