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REDDIT

Close to retiring! Need feedback on retirement breakdown

Z
Apr 20, 2026 · 15:26

I am probably 1-2 year from retirement, and am pretty aligned with Target Date Funds, Boglehead concepts, and getting more conservative financially for obvious reasons. I just did an audit of my 401K and Investment account and Roth IRA.

\[While I do understand there is some redundancy here with TDF and Index funds and Bond funds, and would likely prefer to have less $$ in individual stocks, they are 75% Berkshire, Apple and Block.\]

Anyway, please let me know what you suggest for these weights, and any thoughts/insight into a better path forward now that I am getting close to the start of the good times! Thanks so much.

|Target Date Fund|Index Funds|Stocks|REIT|Bonds / Money Market|Cash|
|:-|:-|:-|:-|:-|:-|
|27%|20%|13%|4%|16%|21%|