**Summary:** 28M, maxing tax-advantaged accounts. Using target-date funds in 401(k)s and an 80% VTI / 20% VXUS allocation elsewhere. Looking for feedback on my portfolio so I can automate and chill for the next year.
I have a 401(k) from a previous employer at Fidelity, which I’m leaving in a target date 2060 fund (FFLEX, 0.08% ER).
I also have a 401(k) with my current employer at Vanguard. Last year I maxed it out as Roth; this year I’m maxing it as Traditional and investing the tax savings in a taxable brokerage. That 401(k) is also in a target date 2060 fund (#1695, 0.055% ER).
My taxable brokerage is invested 80% VTI / 20% VXUS.
I have an HSA that I max annually and invest anything above the $1k cash threshold using the same 80/20 VTI/VXUS split.
I have a side gig that nets about \~$10k annually. I’ve used this to max a Roth IRA since 2024, with surplus going into taxable. Both follow the same 80/20 allocation.
I also contribute 2% of pay to my employer’s ESPP and plan to sell shares shortly after vesting starting in October 2026. I’m unsure how best to deploy those proceeds.
Does the community have any feedback on my strategy—particularly the 80/20 VTI/VXUS split? Should I consider alternative allocations or anything I’m missing? How should I handle the ESPP proceeds later this year?