TDF
Templeton Dragon Fund
stock NYSE Closed Ended Fund

Correct Fidelity TDF Indexes?

Our portfolio consists of 100% VT in the Roth IRAs and HSA and a TDF in my 401k. Adding VTI, VXUS, and directly owned TIPS to taxable soon in preparation for the retirement glidepath.

My wife and I both work for the same company we are both planning to retire in Jan 2027 likely on my 61st birthday for symbolic reasons. I plan on claiming SS at 62 in 2028 and wife will claim at 62 in 2029. I have a pension already which covers 2/3 of our essential bills and when SS kicks in for both of us we will have a surplus. My 401k should be @$407k at rollover and my wife's will be at roughly 1.024 million at rollover. I am a retired firefighter. So i did not really have to get too involved with saving for retirement other than making pension contributions on the FD and the same with 401k's basically had in different index funds. So Im not a savvy investor and neither is my wife. We would like to spend higher in the go go years and then scale it back as we age. Leaving a nest egg is fine but we really do want to enjoy the next decade as much as we can while we are healthy. What would be a simple plan to manage, a TDF, balanced fund or a two fund 60/40? I would like to automate as much as I could but understand I would have to rebalance funds occasionally. Trying to keep it simple. We haven't figured out which brokerage to roll our 401ks into yet but have read that Fidelity's website is very good and makes it easy to manage two IRA's at the dame time. Thanks in advance

both the TDF and the VBIAX are good options.

well the TDF is probably the simplest as long as it has a low fee<0.10% it is hardly worth changing it over. otherwise a two fund is barely any different and will serve you just as well.

My wife and I both work for the same company we are both planning to retire in Jan 2027 likely on my 61st birthday for symbolic reasons. I plan on claiming SS at 62 in 2028 and wife will claim at 62 in 2029. I have a pension already which covers 2/3 of our essential bills and when SS kicks in for both of us we will have a surplus. My 401k should be @$407k at rollover and my wife's will be at roughly 1.024 million at rollover. I am a retired firefighter. So i did not really have to get too involved with saving for retirement other than making pension contributions on the FD and the same with 401k's basically had in different index funds. So Im not a savvy investor and neither is my wife. We would like to spend higher in the go go years and then scale it back as we age. Leaving a nest egg is fine but we really do want to enjoy the next decade as much as we can while we are healthy. What would be a simple plan to manage, a TDF, balanced fund or a two fund 60/40? I would like to automate as much as I could but understand I would have to rebalance funds occasionally. Trying to keep it simple. Thanks in advance

Correct Fidelity TDF Indexes?

Our portfolio consists of 100% VT in the Roth IRAs and HSA and a TDF in my 401k. Adding VTI, VXUS, and directly owned TIPS to taxable soon in preparation for the retirement glidepath.

My wife and I both work for the same company we are both planning to retire in Jan 2027 likely on my 61st birthday for symbolic reasons. I plan on claiming SS at 62 in 2028 and wife will claim at 62 in 2029. I have a pension already which covers 2/3 of our essential bills and when SS kicks in for both of us we will have a surplus. My 401k should be @$407k at rollover and my wife's will be at roughly 1.024 million at rollover. I am a retired firefighter. So i did not really have to get too involved with saving for retirement other than making pension contributions on the FD and the same with 401k's basically had in different index funds. So Im not a savvy investor and neither is my wife. We would like to spend higher in the go go years and then scale it back as we age. Leaving a nest egg is fine but we really do want to enjoy the next decade as much as we can while we are healthy. What would be a simple plan to manage, a TDF, balanced fund or a two fund 60/40? I would like to automate as much as I could but understand I would have to rebalance funds occasionally. Trying to keep it simple. We haven't figured out which brokerage to roll our 401ks into yet but have read that Fidelity's website is very good and makes it easy to manage two IRA's at the dame time. Thanks in advance

both the TDF and the VBIAX are good options.

well the TDF is probably the simplest as long as it has a low fee<0.10% it is hardly worth changing it over. otherwise a two fund is barely any different and will serve you just as well.

My wife and I both work for the same company we are both planning to retire in Jan 2027 likely on my 61st birthday for symbolic reasons. I plan on claiming SS at 62 in 2028 and wife will claim at 62 in 2029. I have a pension already which covers 2/3 of our essential bills and when SS kicks in for both of us we will have a surplus. My 401k should be @$407k at rollover and my wife's will be at roughly 1.024 million at rollover. I am a retired firefighter. So i did not really have to get too involved with saving for retirement other than making pension contributions on the FD and the same with 401k's basically had in different index funds. So Im not a savvy investor and neither is my wife. We would like to spend higher in the go go years and then scale it back as we age. Leaving a nest egg is fine but we really do want to enjoy the next decade as much as we can while we are healthy. What would be a simple plan to manage, a TDF, balanced fund or a two fund 60/40? I would like to automate as much as I could but understand I would have to rebalance funds occasionally. Trying to keep it simple. Thanks in advance

> 40/40/20 allocations in VTI /VOO/VXUS
> Am I diversified enough?
Over 80% of VTI (total US) *is* VOO (S&P500), and they perform almost identically over the long term, so there's no diversification benefit to hold them both. Just use "total US" for your US allocation.
80% US + 20% International is probably fine, but the global market weight is closer to 60% US, 40% International, so more international would be fine too.
[100% stocks doesn't have to be the default portfolio](https://www.youtube.com/watch?v=_ONC1E8aKXc&t=520s), so [give some consideration to bonds](https://www.reddit.com/r/Bogleheads/comments/15drkxn/in_defense_of_in_defense_of_bonds/), just 10% bonds [reduces volatility without reducing returns much](https://www.reddit.com/r/personalfinance/comments/17tv0a0/comment/k8zuy3b/) -- most TDF would have you start increasing bonds at your age (consider referencing target date fund [glide path](https://institutional.vanguard.com/investment/strategies/tdf-glide-path.html) as a starting point for an asset allocation, even if you don't follow it exactly).
> Do I need real estate investments in the mix?
Nope.
----
To a couple things you didn't ask:
> Emergency fund: 100k in stocks & 35k in HYSA.
This feels mixed up to me. Make the emergency fund just cash. Invest the rest, but stop considering it part of your emergency fund.
> 401k - $480k (held @ former job)
> 401k - $260k (current job)
If you like for simplicity you can roll old 401k into current 401k.
> grossing 225k.... with spouse who grosses 60-70k but isn’t into investments.
Even if spouse isn't into investments: assuming you're planning on retiring together, you should consider the sum total of all the income (the IRS surely does) and the total of all the investments.
Is spouse contributing to 401k & backdoor Roth IRA?
At almost $300k income, and something like $1.09M ($100k + $480k + $260k + $140k + $70k + $40k) retirement savings, you may be a little behind by [rules of thumb that go by age and income](https://www.fidelity.com/learning-center/personal-finance/average-retirement-savings), although it's more accurate to go by expected expenses in retirement. You may need to increase savings rate, but looking at expected retirement income and expenses would give you a better plan.

>And if 60/40 worked, why is the TDF that is currently 60/40 [lagging VT by so much over it's lifetime?](https://testfol.io/?s=7Z896rl6ovu)
Are you really asking why a TDF, which contains both bonds and equities, is lagging behind equities-only fund? Bonds have lower expected returns than equities, and you're getting into the part of glidepath where more bonds are being added annually, when stocks have been artificially propped up by QE ever since the GFC. During a historic bull run of the stock market, while interest rates have been purposefully kept at historic lows, and the bond allocation went from about 20% to 40% during that time. The only real "split" in your own link in terms of portfolio value (where 100% equities is massively different) is in 2020-2021, when the allocation was about 65% equities / 35% bonds.

The TDF is perfect. What is your projection for the negative effect of 10% bonds that would discourage you from the TDF?

So i moved a Roth Ira to Fidelity from M1 finance. M1 automatically picks the funds for you. The funds are BND,BNDX, SHY, VCIT,VEA and VWO. It doesn't seem to be doing great. I want this for be for retirement in 25 years or so. Should I sell everything and put it in a TDF or something like VOO. Sorry im new to this and started reading The Little Book

\> but worried about being 100% vt when I need to withdrawal money
may be start buying some TDF fund ( not a good idea in general in taxable account , but ) ? TDF funds are essentially VT + fixed income part and it will be self rebalancing itself - select one that will be gliding more or less suitable for your needs allocation wise in 15-20 years ...