Age: 33
Asset allocation: 80/20
I'm currently maxing out Roth IRA and 401k and throwing excess into taxable (VTSAX).
I've read that I should diversify across my portfolio as a whole, rather than having a split of 80/20 within each account. I have enough room in my 401k to hold my entire bond allocation there, so I can have 100% stocks in Roth IRA and taxable. Is that a bad idea? I assume when I leave work that I'll need to live off the taxable balance until RMDs kick in. Is this risky when taxable is 100% stocks? At what point should I start adding bonds to Roth and/or taxable? How do you diversify across your portfolio?