Hello, I think I have this mostly in an OK spot. But, I wanted to drop it here and see if anyone had some input - ie, there might be some overlap... I generally was silo'd on my thinking when setting up my different accounts.... Just making sure I had SOMETHING rather than getting stuck in the analysis portion. In particular, I have almost no idea what I was doing with my HSA. I can't really remember the rationale behind picking those or the allocation %. I vetted most of these here and none of them seem like they are big mistakes..but when I take a step back, I am not clear on if just leaving these set as they are is "optimal".
Over the next few months is there anything I should be looking to adjust? Anything that seems glaringly off?
FWIW : I am maxing out the HSA, the Roth and matching my employer match + more in the 401k. The Taxable is mostly just somewhere I place money AFTER my wife and I have allocated our monthly funds into our savings and personal goals...
I am recently married and will be looking to do something similar with my wife's accounts. (any advice on how to approach that would be great too - do I simply mirror my setup as closely to hers?)
TIA for helping out a newbie.
|**Account**|**Fund**|**Allocations**|**ER**|
|:-|:-|:-|:-|
|**HSA (Optum)**||||
||VFIAX|50%|0.04%|
||VSMGX|30%|0.13%|
||VITSX|20%|0.15%|
|**401k (Principal)**||||
||RFKTX (TDF)|100%|0.39%|
|**Roth IRA (Fidelity)**||||
||FXAIX|70%|0.015%|
||FTIHX|30%|0.06%|
|**Taxable (Fidelity)**||||
||VT|100%|0.06%|