My 401k plan recently came out with new options, so I set about trying to optimize my aggregate portfolio. While I'm comfortable with my asset allocation, I'm starting to now think about the optimal location of each asset class. My wife and I are both 30. Here's my summary
401k (~140K)
80% simulating VTSAX
20% simulating VTIAX
Roth IRA (just started contributing in 2014 as I only recently learned about back-door technique)
$8500 in VGSIX (Vanguard REIT Index)
Taxable LendingClub
$5000
Taxable Vanguard
$20000 VTSAX
$14000 VTIAX
$3000 in VGSIX
$10000 in VBTLX (Vanguard Bond Index)
It's also worth mentioning that my wife's retirement vehicle is her pension, which I'm viewing as a fixed annuity (probably 15-20K a year once traditional retirement age). I also have a pension projecting to add about $15K a year, but both aren't accessible until age 55.
Taking a look at my Vanguard account, I'd ideally want all bonds and the REIT solely in my Roth. However, I'm limited by the annual contribution limits. So, my initial thought is to put all the fixed income I want in my 401K and think about selling what's left of the REIT in my taxable account. Does that make sense? Any other thoughts?