Author Topic: How to divide accounts  (Read 2555 times)


  • 5 O'Clock Shadow
  • *
  • Posts: 13
How to divide accounts
« on: April 16, 2014, 12:18:48 PM »
I'm planning on switching my accounts over to Vanguard (for the most part), and had a few questions I hope someone would be willing to help me with!

I've been reading a lot but I am a complete beginner and am still confused about a few things. I would like to invest my assets at:
(5% cash)

Now this feels like a very dumb question, but here goes. How exactly do I divide this up? Right now of our transferrable accounts, my husband and I have two IRAs, a Roth IRA, and a large amount in savings that we want to start investing. So, do we split up each account in the amounts listed above? Or do we do an IRA all VBTLX, for example? I know some (VBTLX, VGSLX) are more suited to tax-deferred accounts, while VTSAX is not, correct? Should I take that into account? We are hoping to retire (early!) well within 10 years.

I apologize if this doesn't make sense or if something simple is passing over my head. Thank you for any advice!


  • Magnum Stache
  • ******
  • Posts: 4057
  • Location: On my bike
Re: How to divide accounts
« Reply #1 on: April 16, 2014, 12:58:57 PM »