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REDDIT

Should your target portfolio include all of your accounts (i.e. retirement and non-retirement)?

M
Mar 6, 2025 · 00:37

Hey all,

I'm looking to rebalanced my brokerage acount soon to match my target of 55% US Stock, 40% International Stock, and 5% Crypto (ETF). However, when comparing my current portfolio to my target portfolio, I'm not actually sure whether I should be looking just at my brokerage account, or should I include my retirement accounts as well?

For example, my 401k and Roth IRA both are fully invested in target date funds, meaning they have 0% crypto. If I consider all accounts (including retirement), that means I'd need >5% crypto in my brokerage. But if I ignore my retirement accounts I can just put a flat 5% in the brokerage.

Any opinion on what's preferred? Especially for a boggleheads type investment strategy? Thanks!