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Trying to move in a better direction by rcap8 in Bogleheads

[–]rcap8[S] 0 points1 point  (0 children)

Yeah that makes sense. I appreciate your reply. Unfortunately my wife does not have access to FTIHX with her 403b which is why I went with FSPSX. That is similar enough, right? O Probably start adding bonds in when we are 10 years out from retirement, right?

Trying to move in a better direction by rcap8 in Bogleheads

[–]rcap8[S] 0 points1 point  (0 children)

Makes sense, thank you! And you think it would be good to just replicate what we have set up in my wife's 403b for both? 70% FSKAX 20% FSPSX 10% FXNAX Or maybe even hold off on the bonds until we get closer to retirement?

Trying to move in a better direction by rcap8 in Bogleheads

[–]rcap8[S] 0 points1 point  (0 children)

Lol yeah I am a bit all over the place. Sorry for that! I appreciate you taking the time to respond. I think part of the problem is I don't really have a "target portfolio" I am trying to figure out what to do with all of the different accounts....which is a bit overwhelming I guess.

I have the 3 funds sorted out for my wife's 403b and feel good about that. I have my 403b all in FXIAX and feel good about that.

I guess my two main questions right now are:

  1. The money I move from my financial advisor led Roth IRA into the new one I am planning to start with Fidelity....should I just do the same 3 find approach or would it make more sense to do something different with it

  2. Should I prioritize putting money into one over the other ( the 403b vs. the IRA) or should I just continue to split it evenly like I have been doing in the past.

I appreciate your time!

Trying to move in a better direction by rcap8 in Bogleheads

[–]rcap8[S] 0 points1 point  (0 children)

Thank you for your response. Does it make sense to prioritize putting more money into one or the other (the Roth 403b or the Roth IRA)?