I was ball-parking the mutual funds number, but counting them it looks like I have 21 in my brokerage account and 34 total-ish including 401k with two different companies.
I don't think an 80% equities makes me conservative; I've been toeing the line between moderate and moderate aggressive and am now pushing to moderate aggressive.
Yeah, even the aggressive portfolio on Schwab includes 5% cash, but most of us keep a separate emergency fund.
Most of my funds are under .10% expense ratio, but 2-3 are in the 1% range.
I don't remember how I decided to buy any non-index funds, but I tried to diversify and buy the 4 star ones. When they didn't look that good, instead of selling at a gain, I bought new ones.
Not a great tactic, I see now.
I assume my 401K's didn't have the same stock choices, or maybe I just didn't worry about picking the same ones since they're in different accounts.
Is it worth it to pay capital gains taxes now to adjust and consolidate funds? I expect not to have much more savings in the next 10 years outside my 401k where I can adjust at whim.
Since my retirement is almost all Roth, I expect to have room to get 0% tax on capital gains whenever that happens.