Portfolio and Account Structure
I am 23 years old and currently on step 5 of the FOO - Roth IRA. I am wondering if my current portfolio is structured in a healthy manner for someone my age and within the accounts I am using.
Roth IRA - $6,662 total
Roth 401k - $4963
401k match (traditional, only vested in 20% of this) -$1530
The fund breakdown is as followed and the percentages are based on the entire portfolio, not just in their specific accounts. For example, SWTSX makes up 38% of my entire portfolio between both accounts.
(Total US Market) SWTSX - 38%
(S&P 500) SWPPX - 11%
(International) SWISX - 5%
(S&P 500) BR Equity Index R - 39%
(International) BR EAFE Equity IDX R - 6%
Essentially my portfolio is 89% S&P 500/ Domestic and 11% International. My current strategy is going all in on SWTSX (Total US) in my Roth IRA (SWISX, and SWPPX are funds I was buying in the past, and just haven’t sold). My 401k is set up to go 85% into S&P and 15% into international. Just trying to set it and forget it best I can. Anything I could tweak, rebalance? Thanks!