Hi,

I’m planning out my 2026 savings/investing strategy and would love feedback on whether this allocation makes sense or if I should rebalance.

For context:

Both Roth IRAs are already maxed separately (not included below).

I’m aiming for long-term growth, tax efficiency, and some liquidity.

Employer retirement accounts include a mix of Traditional and Roth with matches (2 jobs)

Here is the percentage-only breakdown of my current plan: (50k to play with)

Account Type % Distribution

Employee 401(k) – Traditional 17%

Employee 401(k) – Roth 5%

Employee 403(b) – Traditional 17%

Employee 403(b) – Roth 5%

Employee Stock Purchase Plan

(10% discount sell immediately

add to next year ROTH IRA) 33%

High-Yield Savings Account. 5%

Taxable Brokerage Account 17%

Total: 100%

My main questions:

Should I shift more toward brokerage or retirement accounts?

Would you rebalance Traditional vs Roth differently?

Other that I am missing?

Any feedback is welcome! 🙏🏻

  • Steve@communick.newsEnglish
    2·
    2 days ago

    Which tax advantaged account doesn’t matter to growth or liquidity.
    For growth, what matters is what you’re holding in the accounts.
    And you can’t take any of it out until retirement, so viscosity doesn’t even matter much.

    Beyond that answering your question would require knowing the current distribution.

    In short I think you’re confidently looking at this the wrong way and need to talk to a professional to get things straightened out.