I think I need to rebalance my 401k. I'm 60% fidelity growth, 25% voo, 10% reit, 5% vxus.
1. Is there a strategy to WHEN I should rebalance?
2. These are the only decent funds available to me, what allocation would you use? (My outside IRA & brokerage are almost 100% vti)

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You would rebalance when your preferred allocation is out of alignment. You would have to decide what allocation you want and how tightly you want to stay before rebalancing.i personally think 5% to vxus is a waste of time. Since you are all VTI outside 401k, I would do more VXUS.

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Thanks both!

If you are a federal employee and enrolled in TPS, recommend getting the app TSP Tips. It’s only about $65/ annually and gives good summaries on portfolio allocations. Applicability to 401K is transparent.

I’d up the VXUS (I’m at 40% international FWIW) and ramp down the growth.

Think REITS are already in S&P? I wouldn’t overweight them but don’t have a strong opinion about them.

Thank you

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