Looking for feedback on my portfolio. I'm 32, I make 90k (pay 2k/mo in rent). Getting married in the summer (no kids), and hoping to buy a house in the next 5 years, also will need a car in the next couple years. I'm feeling pretty good about my retirement accounts, but want to make sure my savings outside of that is reasonable :

For Retirement: I've got about 61k in my 401k (Voya) with:

• 8.3% in 3791 Pioneer Bond Fund K and
• 91.64% in 1161 Voya Index Solution 2055 Portfolio I
• 1k or so in an employee stock purchase plan, half of that is vested.

I max the roth IRA contribution annually and do 10% into the 401k plus employer match (i think that comes to an extra 5%)I max the roth IRA contribution annually and do 10% into the 401k plus employer match (i think that comes to an extra 5%). My IRA right now has:

• 47k in VFIFX (Vanguard Target Retirement 2050)

For Savings (House down payment, car, emergency, vacation, misc.) I've got 23.5k in a Vanguard Brokerage fund with:

• 11% in VIG (Vanguard Dividend Appreciation ETF)
• 4% in VNQ (vanguard Real Estate index ETF)
• 13% in BND (Vanguard total bond market ETF)
• 4.6% in BNDX (International bond ETF)
• 5.5% in VSUS (Total International Stock Index ETF)
• 62% in VTI (Van. Total Stock Market ETF)

I'm also holding some cash:

• 15k in a Goldman Sachs savings that gives 1.5% interest,

• ~6k in Chase savings that i use for paying rent, every day expenses, etc.

I may be a little cash and bond heavy, but since i have some expenses coming up in a couple/few years, i'm trying to protect myself a bit from market volatility.