No. of Recommendations: 3
I've been reading this thread and just wanted to add a couple of thoughts.

First, no matter how you might choose to mingle the funds after marriage, this is still her retirement money, and her feelings should take precedence at this time. She may get more comfortable with more risk later, but I don't think it would hurt to let her break into this investment thing slowly.

Second, if she is amenable to it, you could be the one who manages this money. I've always done that with DH's retirement money, but I run all the information and choices by him. And even though I have managed all our money since before we were married [we've been married 24 years], I notice that I feel differently about the funds that are strictly in his name in his retirement account than I do about our joint funds. It's like I feel more responsible for that money, so I actually tend to be more conservative there because I'd feel awful if I made a big mistake in his account, which I think makes no sense since all the money is ours, but feelings don't always make sense.

I'd say that in your case, you might want to start with showing her what you do, and perhaps making some suggestions, if she wants them or asks for them, on what she might do with her investments in her retirement account. Something else you can do is to treat the whole thing as one pot, and then include however she has allocated her money in the total allocation, and allocate the rest of the portfolio to fill it out to meet your general allocation goals. This might have the best success, especially at the beginning.

I know that I'd be crazy if DH told me how I was supposed to invest, and I'd expect him to feel the same if I were dictating the investments for his account, but that's why you talk about your goals and how best to reach them. Then you put that particular plan into place.

Anyhow, that's more food for thought for you.
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