Hello, I am 50 years old and am just now starting to study the Boglehead way of investing. Without going into too much detail (very complex family situation), I am already heavily invested in bonds with a financial advisor (he also manages my Roth IRA). My goal is to have a 50/50 bond/stock portfolio, as I like having income from bonds.
Unfortunately, I was afraid of getting in the market, and put a lot of money in CDs. I wish I could go back in time and do things differently, but I can't.
In my Roth IRA, I had my advisor convert everything to VOO (from mutual funds that were underperforming IMO). I should have added VXUX, but every time I have him change something for me, it cost money.
I would like to do the stock side of my portfolio myself. In my brokerage account, I already bought 60% VOO. I would like to add 20% VXUX, and 20% VXF. I now realize I should have done VTI to simplify.
Should I convert the VOO to VTI, or leave it as is for now. Once I move all my money from CDs, I will have very close to a 50/50 portfolio. If it matters, I am on Dave Ramey's baby step number 7.
I would like to retire within the next 10 years, but don't plan on touching this money before then. Thank you for all your help.