Trying this again since my previous post was too fund-specific. Retired a little under three years ago, and was hoping to get some (constructive) opinions on my current account diversification. I am of the opinion that the market is due for a sizable correction that will lead to a stagflation scenario. To that end I diversified seven months ago into a “first step” mix that I think will, with further adjustments, stand up in that future scenario. I have one year’s worth of expenses in a HYSA separately. I pull mainly from Roth contributions and 457b currently. The percentages are a bit wonky; I haven’t rebalanced yet. Can I get your take on it’s current state?
Top Level: 84% Equity, 8% Bonds, 5% Cash, 3% Gold
ROTH: 82% Equity, 12% Bonds, 6% Gold. 60% Domestic, 20% Int’l, 20% Global. 63% LC, 2% MC, 10% SC, 7% EM, 12% Fixed, 6% Other. 71% Blend, 5% Value, 6% Growth, 12% Bond, 6% Other. Bonds 58% Mixed, 42% Treasury
IRA: 77% Equity, 17% Bonds, 6% Gold. 72% Domestic, 22% Int’l, 6% Global. 60% LC, 5% MC, 6% SC, 6% EM, 17% Fixed, 6% Other. 53% Blend, 9% Value, 10% Sector, 5% Growth, 17% Bond, 6% Other. Bonds 65% Mixed, 35% Treasury
457b: 92% Equity, 8% Cash. 58% Domestic, 34% Int’l, 8% Other. 82% LC, 10% EM, 8% Other. 92% Blend, 8% Other.
403b: 86% Equity, 4% Bonds, 10% Cash. 53% Domestic, 37% Int’l, 10% Other. 69% LC, 13% EM, 4% SC, 4% Fixed, 10% Other. 82% Blend, 4% Value, 4% Bond, 10% Other. Bonds 50% Mixed, 50% Corporate.
Up front, my thoughts are to increase bonds via TIPS or Short-Term, and perhaps Gold. My 457/403b options are limited though as it’s employer-sponsored. Thank you for any helpful advice.