Hi,
I’m planning out my 2026 savings/investing strategy and would love feedback on whether this allocation makes sense or if I should rebalance.
For context:
Both Roth IRAs are already maxed separately (not included below).
I’m aiming for long-term growth, tax efficiency, and some liquidity.
Employer retirement accounts include a mix of Traditional and Roth with matches (2 jobs)
Here is the percentage-only breakdown of my current plan: (50k to play with)
Account Type % Distribution
Employee 401(k) – Traditional 17%
Employee 401(k) – Roth 5%
Employee 403(b) – Traditional 17%
Employee 403(b) – Roth 5%
Employee Stock Purchase Plan
(10% discount sell immediately
add to next year ROTH IRA) 33%
High-Yield Savings Account. 5%
Taxable Brokerage Account 17%
Total: 100%
My main questions:
Should I shift more toward brokerage or retirement accounts?
Would you rebalance Traditional vs Roth differently?
Other that I am missing?
Any feedback is welcome! 🙏🏻