this post was submitted on 24 Jan 2026
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No Stupid Questions

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Hi,

I’m planning out my 2026 savings/investing strategy and would love feedback on whether this allocation makes sense or if I should rebalance.

For context:

Both Roth IRAs are already maxed separately (not included below).

I’m aiming for long-term growth, tax efficiency, and some liquidity.

Employer retirement accounts include a mix of Traditional and Roth with matches (2 jobs)

Here is the percentage-only breakdown of my current plan: (50k to play with)

Account Type % Distribution

Employee 401(k) – Traditional 17%

Employee 401(k) – Roth 5%

Employee 403(b) – Traditional 17%

Employee 403(b) – Roth 5%

Employee Stock Purchase Plan

(10% discount sell immediately

add to next year ROTH IRA) 33%

High-Yield Savings Account. 5%

Taxable Brokerage Account 17%

Total: 100%

My main questions:

Should I shift more toward brokerage or retirement accounts?

Would you rebalance Traditional vs Roth differently?

Other that I am missing?

Any feedback is welcome! 🙏🏻

all 8 comments
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[–] ieatpwns@lemmy.world 1 points 6 hours ago (1 children)

I’d withdraw it all and buy gourd futures. OR, you can invest it into political betting

[–] daguma118@lemmy.zip 1 points 3 hours ago

This reminds me of the sesame seed investment in Silicon Valley tv. Just having the craziest investment ideas lol. I’m Not that “brave”

[–] Berttheduck@lemmy.ml 6 points 22 hours ago (1 children)

I suspect you're getting downvoted because the guy in your picture is a tool.

Unfortunately I don't know enough about US based finances to have any useful advice for you.

[–] daguma118@lemmy.zip 0 points 21 hours ago

Interesting point in the picture but Ty for looking into it!

[–] litchralee@sh.itjust.works 1 points 19 hours ago (1 children)

I don't think you've listed what you (and your partner's?) financial timeline is. The number of years you have until needing to draw upon the nestegg is crucial for any discussion that involves retirement savings.

Also, I may want to also post to !personalfinance@lemmy.ml

[–] daguma118@lemmy.zip 1 points 18 hours ago (1 children)

Thank you! I have 30 years til retirement and current 22% bracket at the moment! Also thank you for the advise on the posting. I just added it there

[–] Steve@communick.news 2 points 22 hours ago

Which tax advantaged account doesn't matter to growth or liquidity.
For growth, what matters is what you're holding in the accounts.
And you can't take any of it out until retirement, so viscosity doesn't even matter much.

Beyond that answering your question would require knowing the current distribution.

In short I think you're confidently looking at this the wrong way and need to talk to a professional to get things straightened out.