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Author: spinning Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 76237  
Subject: allocation across accounts Date: 10/29/2013 11:34 AM
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I have four types of retirement accounts
- 401k at current job
- rollover IRA from previous jobs
- Roth IRA
- inherited IRA, currently taking required distributions

I am more than a decade away from retirement. If I want an overall allocation of, say 70/30 stocks and bonds, what should I put where? Should all accounts be 70/30, or does it make more sense to put more stocks in one and more bonds in another?

My thinking is to put slowest growing assets in the inherited IRA, allowing me to take a smaller fraction of my total in required withdrawals, and the fastest growing assets in the Roth, where I will pay no taxes. The 401k and rollover IRA seem identical in how they are treated.

Thoughts? Anything I am missing? Should I somehow account for the fact that faster growing assets tend to be more volatile?
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