I'm going to be starting a new job soon and I'm thinking of moving the funds from my current 401k to Vanguard. My 401k is though Fidelity and my current balance is right around $50k. About 75% is Roth as I've been doing a $10,000 in-plan Roth conversion every January for the last three years. So I think I'd have to roll that $40k into a Roth IRA and the other $10k into a traditional IRA. On the other hand my tax rate is low (12% for 2018) and we'll be getting back a few thousand dollars from lots of child tax credits so I would be fine paying the $1,200 or so in taxes now (in early 2018) to just convert the rest to Roth. Not sure about the mechanics of that though.
Current asset allocation:
30% S&P 500 index fund - 0.015% expense ratio
20% Mid-cap value fund - 0.81% expense ratio
15% International growth fund - 0.5% expense ratio
10% company stock (been doing better than almost everything else for most of the last decade I've had it - but near all-time highs)
10% international developing markets - 1.07% expense ratio
10% Large-cap growth fund - 0.66% expense ratio
5% Blended stock/bond fund - 0.88% expense ratio
Average expense ratios are about 0.75% and most of the funds seem to be performing in-line with the underlying indices. Some outperforming a bit, but not really enough to justify the fees.
I'm looking to stay close to 100% in equities. I'm only 33 so I've got plenty of time to ride out the market. In addition to this 401k I've got a second one (TSP) through the military with about $5k in it and if all goes well a pension when I hit 60 from that which should pay around $10-15k annually, though that's highly dependent on how many more years I serve.
So, looking to invest mostly in VTSAX but maybe allocate a portion to mid-cap and/or international funds to be a bit more aggressive. Any recommendations? Might not be able to get into Admiral shares at first unless I put a fair amount in those other funds. Also, anyone rolled over a mixed regular/Roth 401k and have any advice to share?