I've been thinking about this more and more after doing some long-term projections. Is it possible to have too much in a traditional 401k?
For instances, is one of these scenarios better than the other:
Retire at 50 years old
$1,250,000 of available funds
Option 1:
$900,000 t401k
$150,000 rIRA
$150,000 taxable accounts
$50,000 cash
Option 2:
$500,000 t401k
$150,000 rIRA
$550,000 taxable accounts
$50,000 cash
Off the top of my head i would think some considerations would be: what tax bracket you fall into while working before and after t401k contributions, t401k to rIRA rollover tax implications in retirement for 20 years (when you hit 70)....but i know there are many more considerations/assumptions that would need to be made in order to determine which scenario would be more beneficial.
So what other factors would go into analyzing this situation in greater detail? Just looking for variables that I know i'm overlooking...not really looking for a clear cut answer, as i'm sure it depends on a number of things.
(ETA: also, i know you cant directly do t401k to rIRA conversion...and it must go to a tIRA first, etc etc)