19

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! 🙏🏻

you are viewing a single comment's thread
view the rest of the comments
[-] daguma118@lemmy.zip 1 points 7 months ago

Very interesting observation. My thought is that when I retire I should be on a lower tax bracket since I have no income to report (assuming I won’t be working). So I understand your point of leaving some taxes behind.

this post was submitted on 25 Jan 2026
19 points (91.3% liked)

Personal Finance

5714 readers
1 users here now

Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances!

Note: This community is not region centric, so if you are posting anything specific to a certain region, kindly specify that in the title (something like [USA], [EU], [AUS] etc.)

founded 3 years ago
MODERATORS