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! 🙏🏻

    • daguma118@lemmy.zipOPEnglish
      1·
      3 days ago

      My thought process is that it’s a big chunk of money and it’s in 1 company. Kinda having a big amount of eggs in 1 basket, so while i am for sure up 10% (gets a %10 discount on it) i sell.

      Let me know if this make sense.

      • linuxguy@lemmy.gregw.usEnglish
        2·
        1 day ago

        But then you’re paying full income tax on that 10% which drops it some pretty decent amount. If you can afford to hold on to the purchased shares until you get preferential tax treatment then you’d pay long term capital gains on them and that’s much less than regular income tax rates. On top of that, you’ve got the movement of the underlying stock during the year that’ll be taxed at cap gains rates rather than income. If you think the stock is going to trend down, maybe time to find a new job.