How do you balance your portfolios when you’re trying to achieve desired percentage splits between large/mid/small caps, US vs international, and among sectors, when you’re incorporating Roth IRA, Traditional IRA, and brokerage accounts? With the annual contribution limits on IRAs, the investments in those IRAs will become smaller and smaller percentages of your overall portfolio. Seems like you’d have to add those same IRA investments as brokerage investments too to keep the same allocation %s

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Most 401k plans have very poor choices and it’s hard to get the allocations right.

I use my current 401k for the ‘best fit’ I can get. So it’s being used for an index fund to midcap stocks and a couple mutual funds focused on Europe and Asia. On its own it doesn’t make sense but in context with my larger holdings it’s good enough.

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Yah, it’s a good question.
I am moving the direction of a simple 2-index total market allocation in retirement accounts and more complexity in brokerage accounts to allow rotation or sector bias

I think that strategy makes sense in theory.
My Roth, sep, rollover and 401k are each lower balance compared to brokerage and managing them all separately seems like too much of a headache, so I use VTI/VXUS/VT in the retirement accounts. In brokerage I generally try to buy with new cash when I want to increase exposures, but admittedly that’s not always possible

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