I have a taxable account and a tax advantaged account. I keep a 3 fund portfolio. I always kept some stock funds in my tax advantaged acct to rebalance with. Stocks have on such a tear lately that even if I convert my advantaged account to 100% bonds and buy bonds with all new contributions, it'll be 2 years before I hit my 2026 goal allocation (at which point I should own even more bonds).
I feel like I'm in big trouble with an over risky portfolio that will only balance through stock crashing. There's no method to lock in my stock gains. I don't think I did anything wrong, but it feels like this is a major flaw in the boglehead system.