Between my wife and I, we have 6 investment accounts:
Me: RRSP, LIRA, TFSA, Work RRSP
Her: RRSP, Work RRSP
In a couple of years, will also have a TFSA for her and potentially a LIRA if she leaves current employer. I stumbled across a decent spreadsheet last night for tracking the allocation of multiple account but now trying to get a handle on best route.
Currently we are 100% equity (index funds) - went this route last fall after we broke up with our high cost mutual funds. I want to move toward an 80/20 allocation (have a 10 - 15 year time horizon on all accounts, except maybe the TFSA).
How do others manage asset allocation across multiple accounts? Do you chose one account as the bond account? Allocate per account? Suggestions?