If I have both roth ira and roth 401k, do I put both into vanguard target or do something diff for each?

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TFs are already diversified, so you could treat it as just having 2 balances in the same basket of diversified retirement funds. Or you could be super risk averse and say well now you’re exposed to the same risk in both so if stuff hits the fan you’re screwed equally. Realistically, if your TF is losing value, so are the rest of your standard ETF alternatives that you likely would’ve picked instead (Vanguard LifeStrategy, etc).

I used to have both in the same TF but changed my 401k in mid-2018 to a Vanguard managed account to try to gain a little edge on the market volatility that was/is looming (pay a higher fee, but someone else with the time to study macro trends is making the adjustments to my portfolio). Bit of a gamble as those advisors really don’t cut their teeth until they’ve gone through a down cycle and made it out alive on the other side, but I’ve got the runway in terms of years left until retirement

Don’t do a Roth 401k unless your salary is very low, you are better served with a traditional 401k.

D2, there are lots of strategies, one you may start with is the Roth ladder. The thing you have to remember about taxes is that they are progressive. While most agree rates will increase in the future, many also agree that taxes will be more progressive. The general approach today is to draw from your traditional 401k the max to stay under the 0% LTCG rate then draw from your taxable brokerage (maybe rollover your taxable 401k withdrawl in to your RIRA if you can afford to live off your taxable brokerage alone). You could access well over $100k without paying any taxes. There are a lot of things you can do when your income is low, or you can engineer a low income. Having money in all three buckets gives you a LOT of options.

Putting everything into Roth today is a huge drag on your accumulation rate for no benefit. Having a high % of your savings/TNW in Roth accounts is hugely inefficient.

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