Haven’t pulled the trigger yet going to leave Raymond James for Fidelity. Talk to someone and this is what he recommended. I’m 64 now looking to retire in a year and a half not going to touch my Roth for as long as possible do some conversions along the way this was his recommendations.
My Roth IRA 149K 85/15
FXKAK. 60
FTIHX. 25
FXNAX. 15
My wife’s Roth 1404K 80/20
FSKAX 55
FTIHX 25
FXNAX 20
My traditional IRA 306K 40/60
FSKAX 40
FXNAX 60
My wife’s traditional IRA 73K
FSKAX 35
FXNAX 65
Joint taxable #1 70 K 70/30
VTI 50
BND 30
VXUS 20
Joint taxable #2 307K 65/35
VTI 40
VXUS 15
SCHD 20
BND 25
No more reinvesting, dividends or interest sweep it all into a SPAXX except for what is in the Roth.