My 401k is just a TD index fund and I'm almost to the point of being able to max it out. I am now setting up a separate IRA and have a taxable account. Mostly in the taxable account I've just used for treasury bills / money markets for my emergency fund + house down-payment. But its at the point where I dont want to hold more liquid.
So I have to decide what I want my taxable portfolio to look like. With my 401k options it was a no brainer - and I could do a similar VTI/VXUS or VT approach in my taxable account. But I like fiddling with things a little so I was thinking: VTI + VXUS as the bulk but also adding in VTV, VBR, VB and VNQ for some tilts. Basically the coffeehouse approach - except that is equal portions, I'll likely do 35% / 15% VTI/VXUS and then 15% of VTV/VBR/VB with 5% in VNQ. Maybe add in GLTR if I want some metal.
The thinking is: it'll tilt me away from the mag 7, it'll give me a few knobs to turn while still being mostly bogley, and if I ever have to realize some losses then I'll have 6 or 7 piles to avoid the wash rule. Yes I'll have to rebalance etc and its more hands on.
Is this a terrible plan? Or should I just VT and chill?