this post was submitted on 30 Aug 2023
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More or less:
My only bonds are in my efund, which makes my portfolio quite aggressive.
So mine looks pretty similar to yours, but I have a little more international and no bonds. I'm guessing our portfolios perform similarly.
Edit: tax strategy
My after tax accounts are in international funds for the foreign tax credit, my Roth accounts are in US stocks (highest expected growth), and my pre-tax accounts fill in the gaps.
I don't make enough to max 401k + Roth but if I ever get there I'll have to remember the foreign vs. domestic note. From reading this thread I think I definitely need to phase out contributing to bonds for a while.
Bonds should reflect your risk tolerance and time horizon to retirement. The closer you are to retirement or the more nervous you'd get if the market has a significant downturn (say, >30% losses in a single year), the more bonds you should have.