Hi goods and strongs,
Long story short, up until last year I wasn't taking advantage of tax-advantaged accounts like I should have been. Embarrassing but now I will be maxing 401k, HSA, and Roth IRA every year.
Some important info:
* Age: 37
* Single income (for now)
* Buying a house in the next 3ish years is my primary goal right now (looking at probably $150k for a down-payment). I dont mind selling from my taxable to help
* Employer matches 7% on 401k contributions and gives 10% for profit sharing
* I've changed my 401k contributions to Trad going forward
* Going for an overall allocation of 65 % Domestic, 25% Intl, 10% Bonds
And now for the messy part, here are my investment accounts:
|Account|Balance| Domestic| Intl| Bonds|
|:-|:-|:-|:-|:-|
|Brokerage|$230k (all short-term atm)|73 %|27 %|0 %|
|Roth IRA|$8.5k|70 %|30 %|0 %|
|Roth 401k|$420k|60 %|30 %|10 %|
|HSA |$9.3k|60 %|30 %|10 %|
|**TOTAL**|667.8k|64 %|28% |8%|
||||||
I also have my checking account (which includes emergency funds) at $132k earning roughly 3.5% interest
**My main question is**: Where should my bonds go and how should I invest in my Trad 401k that I will be contributing to from this moment on?
I am open to any feedback or suggestions overall, any advice is welcome.