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Hello Fools,
I'd like to ask your opinion(s) how a couple should invest their assets for retirement since a wife and a husband have their separate 401(k) and (Roth)IRAs.
I'll take a specific example.
Me, I opened an Roth IRA and opted to invest in Vanguard's Target Retirement Fund 2045 though I think I'll retire a few years earlier than 2045 (at least, I hope so).

My DH intends to transfer his Roth IRA from a credit union to Vanguard. But my question is whether it's OK (based on the assumption that we'll never get divorced) to keep BOTH Roth IRAs in the same Target Fund 2045 (or even 2025 because he would retire in 25-30 years).

I'm curious how other Fools manage their family's retirement investments when it involves separate investing for a wife and a husband. Do you both invest your 401(k)'s, IRAs in similar fund families, mutual funds?

In addition, if we still have extra available dollars for taxable investing, would you advice to invest in a different fund family (we are with Vanguard, so maybe we should go with Fidelity for taxable investments?) or just select different funds within Vanguard?

I hope you understand what concerns I'm trying to express here.
In summary my questions are:

1. How much of overlap is good/bad between retirement accounts of a DH and a DW?
2. How much of overlap is OK between retirement accounts and taxable accounts?
3. Are there any research studies performed how married couples should invest their separate retirement accounts in order not to end up in the same plunge should the market go south?

Looking at funds' holdings, it seems they have similar companies in their portfolios except that their proportions vary.

Thank you for your insight.


PS. We are in the middle on the "Aggressive-Conservative" investing style scale. We are definitely NOT aggressive, but more prone towards conservatism should you have any suggestions of the funds to consider.
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