Hi,
I retire at 62 in three years. I want to manage my own money. I want to keep it really simple. I have $800,000 in a pre tax 401 acct in a 2030 target date fund. I also have $250,000 in a Roth $100,000 HYS. Although I will continue to work for three years, here soon I want to roll over the pre tax 401 ($800,000 into an IRA so I can have more investing options instead of the 2030 fund. Not too many options in my 401k Im considering 70-VTI and 30- total bond. Straight out of the book. Question 1. Is anyone really doing that? Keeping most of their money in VTI and bonds? Question 2. for the remaining 3 working years would it be smarter to put my contributions in the ROTH or consider saving on taxes and put into the the pre tax 401k? leaving my ROTH at $250,000. Just curious to your thoughts.
