I am just starting out investing. I am 54. I have 0 debt, own my home and I have a small emergency fund saved. I will get a pension ( maxed and and employer matched. I just started a Vanguard account. I am planning on maxing out a roth for last year (2025) and then maxing out every year after. I was going to go with 70/30 vtsax and vtiax. I also will start a taxable account and was thinking of going with etf's- like vti and vxus and a bond like maybe vbtlx. Do those seem like good choices? Is it advisable to put the bonds in the taxable account? Being that I am just now starting out, do I even need bonds at this point?