Hi Everyone, I am wanting to put together a simple 60/40 portfolio that spans my 401k, Roth IRA, and Taxable account. Basically I would like total stock, total intl stock, and bond components. In my 401k I can can use a bond fund that is supposed to follow the AGG index with an expense ratio of .24%. I also have access to PCRA at Schwab and could use bond funds/etf’s there. If I am planning to invest the equity pieces in the roth ira and taxable account does it make sense to use the bond fund in the 401k or use the PCRA to buy a different bond fund/etf? Would it make any sense to buy a riskier bond fund like PONDX through the PCRA and use it as my only bond fund? The overall portfolio across all accounts is about 300k. Thanks for the insights.