Hi,
I’m planning out my 2026 savings/investing strategy and would love feedback on whether this allocation makes sense or if I should rebalance.
For context:
Both Roth IRAs are already maxed separately (not included below).
I’m aiming for long-term growth, tax efficiency, and some liquidity.
Employer retirement accounts include a mix of Traditional and Roth with matches (2 jobs)
Here is the percentage-only breakdown of my current plan: (50k to play with with 30 years of investment left at a current 22% bracket)
Account Type % Distribution
Employee 401(k) – Traditional 17%
Employee 401(k) – Roth 5%
Employee 403(b) – Traditional 17%
Employee 403(b) – Roth 5%
Employee Stock Purchase Plan
(10% discount sell immediately
add to next year ROTH IRA) 33%
High-Yield Savings Account. 5%
Taxable Brokerage Account 17%
Total: 100%
My main questions:
Should I shift more toward brokerage or retirement accounts?
Would you rebalance Traditional vs Roth differently?
Other that I am missing?
Any feedback is welcome! 🙏🏻
With 30 years of outlook remaining, I would wonder if it’s even worth doing the Roth contributions. Ostensibly, you’re able to get an income tax deduction if you had more Traditional 401k/403b contributions, so it looks like some tax savings are being left on the table, by paying 22% marginal income tax now, when instead you could be paying tax on it upon withdrawal in 30 years.
That said, if whether future tax rates will be higher or lower is a question that keeps you up at night, then keeping the contribution as-is is worthwhile. The Boglehead approach to risk tolerance is to optimize but not to the point that it would cause you consternation. That is to say, you are playing the long-game and must make decisions that are sustainable for the long-term.