u/KNX5

Does my portfolio make sense?

32M, DINK, Homeowner (6.125%, 30 year fixed, 26 years left), paid off car.

401k: 100% 2060 TDF. 6% + 100% match up to 6%. Wife is also in 100% 2060 TDF with 6% + 50% match up to 6%.

Roth IRA: 85% SCHG and 15% SCHA. Currently attempting to max as well as possible.

HSA (family): 60% VFIAX 25% VTSNX 15% VSCIX. Maxing pre-tax.

Brokerage: 55% SCHB 37.5% SCHF 7.5% SCHH. Barely contributing, will only contribute after Roth IRA max is reached.

Does being intentionally aggressive in my Roth IRA make sense? Wife and I are both international in our 401k's as well as my HSA and (marginally) in my brokerage. Feel like the allocations make sense to me but I'm second guessing myself and feel like I'm over analyzing.

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u/KNX5 — 9 days ago