ComebackKid wrote:Thanks Johm.
Would the allocation for the 401K between two you mentioned be 80/20?, or would that be too risky?
NYBoglehead wrote:Many would advocate putting whatever you've got in a Target Date Fund until you've got enough to spread out the money into the 3-fund portfolio.
In my humble opinion, I see nothing wrong with getting started with each of the individual funds as you are able and adjusting your AA as you go. Nothing wrong, especially at 30 years old, with starting off with TSM and then adding TISM and TBM as the money becomes available in subsequent years.
From what you've suggested, how does the rebalancing work? I'm familiar with rebalancing when they're all under one umbrella and it's easy to just transfer funds, but I'm less familiar with how it could be accomplished when investments are spread out between a 401(k) and a Roth. I'm somewhat new to all of this, so any additional explanation will be appreciated. Thanks.