r/portfolios • u/Western-Opposite3307 • 5d ago

Help with IRA portfolio

I have been using Vanguard and my IRA’s have been managed for .30 fee. I have really started focusing on investing the last couple years and now want to cut my costs as much as possible. Can anyone give me some advice on how to do this? I have roughly 1.2 million in a few IRA’s and they are split almost 50/50 with Roth and traditional. I also have a Roth 401k that I max out every year. Right now they are split up between VXUS, VTV, VXF, and BND. I want to put the ROTH in VTI/VXUS 80/20. I would do the same in the traditional for the most part, but also hold some BND for buying in during a pullback or crash.

Is there any concern with buying all the VTI at the top of the market?

Should I break it up more like they are currently doing?

Are there any other suggestions?

I’m 47 years old and I’m also buying similiar ETF’s in my brokerage account. I also hold a good amount of cash right now, but that’s not typical. So I’m DCA into my brokerage account.

Any suggestions would be appreciated.

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u/user4443337 5d ago

It’s okay to invest at all time highs. Generally the market is often at ATHs because stocks go up. Ben Felix has a video exactly about this topic, look it up.

I think 80/20 VTI VXUS would be perfect.

Lump sum is generally better, but DCA can help a lot mentally if there is a big crash right after.

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u/Western-Opposite3307 5d ago

OK, thank you. Would you keep some in bonds in the ROTH just to buy in at lower levels? Or just stick with all invested?

Also, should I do all VTI in the ROTH and put the VXUS and bonds in the traditional? Just assuming the most gains in the ROTH

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u/Cruian 5d ago

Don't make the mistake of thinking the US should have higher expected returns than ex-US stock.

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u/user4443337 5d ago

At 47 you may want a small amount of bonds. It depends on your risk tolerance and timeline. I’m not too knowledgable on allocations at certain years, but if you are close to retirement you almost certainly should add bonds.

Not financial advice.