Looking for some guidance to maximize gains. 401k- 115 K managed by Vanguard robot , Roth IRA - 15.K in FTEC and ONEQ. 55 K cash.
Don’t have immediate need for cash. 29 M

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Assume you want to keep similar level of risk? To truly maximize gain potential you could YOLO into high-risk assets but could also lose your shirt. If you’re just looking to maximize potential return under similar or same risk levels, then you need to focus on cutting down fees. Vanguard robot = V Digital Advisor or V PAS? Regardless, you’d likely “maximize gains” at the same risk level by picking your own three-fund portfolio (read up on Bogleheads site) with lower avg. expense ratio across your 401k and Roth.

For the 55k, make sure you’ve set aside 3-6 months of living expenses, then make sure any bad debt (>4% int.. excl. mortgage) is paid off. If you aren’t already maxing out 401k with 19.5k contributions this year, then max it out (all at once or by paycheck depending on how your employer matching work) and “pay” yourself what’s missing from your paycheck using some of that 55k. If you’re already maxing 401k and Roth IRA then dump the rest in an index fund in a taxable brokerage account.

That includes the ETF fees

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