Hey guys, so I am trying to figure out the proper way to do a stock and bond balance. I am currently 24 and have a ROTH IRA that is at 15k and fully invested in VT. I am planning on adding bonds when I get to 40 or so. At 40 I am thinking to get to 10% bonds, then increase by 1% each ear until I am at 30% at 60. I know that is is best to have bonds in a traditional IRA and keep the ROTH 100% VT. The problem I've been thinking about is when I'm 40, lets say the ROTH is at 100k or something with me contributing the max each year. If I just start the bonds at that point in a traditional IRA, how could I get the traditional to 10K? I know you cannot transfer funds from a ROTH to traditional, and the contribution limit is around 7k shared between both of them. I was thinking maybe if I get a 401k(which I dont currently have) I could transfer that to a traditional with funds already in there. It would be nice to just immediately transfer 10% of the funds from VT to bonds, but this doesn't seem possible between a ROTH and traditional. This all seems like a headache. What is the best way to go about the bond and stock balance?