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I'm not really sure what you are asking, as long as you are not getting hit with some sort of low balance fee then it really does not matter if you have the same fund in multiple accounts.

Since these are both retirement accounts you don't need to worry about the current tax situation, but years from now when the you start taking money out of them, you will want to have as much money in the Roth as you can when you retire.

If the Targeted retirement fund is currently 70% stocks and 30% bonds you would usually expect that over the decades, that the stocks would have a much higher return than the bonds. For this reason you could put the Roth money into 100% stocks then increase the bonds held in the traditional IRA or the 401K to offset this.

For example if you have $20K in the Roth, and $80K in the traditional IRA and you want a 70/30 stock/bond allocation. Then overall, you really want to somehow get $30K in bond funds, and $70K in stock funds.

To do this you could split it;

Roth $20K stocks
TIRA $30K bonds, $50K stocks.

Years from now, the Roth may have tripled (tax free!!!), but the TIRA may have only doubled so this would cause you have more after tax money overall.

Once you have this set up, then a couple of time a year you will need rebalance if needed, which should only take short time to do online.

Greg
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