Hey Bogleheads. I’m looking for help cleaning up the mess I made.
I realized my portfolio has slowly turned into a well-intentioned mess of overlapping index funds across multiple accounts. Nothing wild, but way more complicated than it needs to be.
It’s stressing me out a bit, but I figure that some of y’all enjoy this more than I do.
For risk reference, I’m in my 30s and hope to retire early in 20 years.
Thanks!
401(a) – Vanguard
• VFIAX — 52%
• VSMAX — 20%
• VBTLX — 15%
• VIMAX — 13%
401(a) – Empower (May roll this into the Vanguard plan)
• FXAIX — 31%
• FXNAX — 28%
• FSMAX — 21%
• FSPSX — 20%
HSA – Fidelity
• MM — 10%
• FZROX — 34%
• VOO — 43%
• VXUS — 13%
Roth IRA – SoFi
• VOO — 100%
457(b) Mix of Pre and Post Tax – Empower
• FXAIX — 50%
• FSMDX — 25%
• FSSNX — 25%
457(b) Pre Tax – Empower
• FSPSX — 28%
• FSMAX — 27%
• FXAIX — 25%
• FXNAX — 20%