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My wife and are are getting a late but not too late start on retirement savings (ages 34 and 37). Fortunately we have access to tax advantaged accounts through work -- I have a 457 plan, and she can contribute to a 401(k). We'll also likely be able to put part of her bonus money into a Vanguard index fund, probably Total Stock Market from what I've read on this board. I'd say we'll be able to average about $15,000 in the 457/401(k) each year, and $15,000 in the Vanguard after tax account.

My question is this -- what types of investments should we be looking for in the tax advantaged accounts? I've read on this board that these accounts are good places for the bond and real estate portions of a portfolio for tax reasons, but in lean bonus years, I might be concerned that we're not investing enough in stocks. I want to make sure that we're diversified but would like to pick a good mix for the 457 and 401(k) plans up front and not have to continually monitor them.

Any help is greatly appreciated!
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