u/Active-Band-4065

I’m thinking of using TDF instead of rebalancing 6 funds (3 IRA, 3 401K). so, I’m picking 2 TDFs with 10% Bonds.

My questions are:

1. if I want 20% bonds, can I just add 10% of the total portfolio value as BND in the IRA?
2. If I want 15% bond allocation, would that act as a good middle ground between volatile 10% and less volitions 20%. Or should I just opt for 20% if I feel 10% is too rich for my blood?

Target Date Funds:

Vanguard IRAs:

– 100%ish in VFIFX*

Vanguard Target Retirement 2050 Fund (exp. ratio 0.08%)

* – $97K in BND (to have 20% Bonds)

Fidelity 401K:

– 100% in Target Date 2045 FHAQX (exp. ratio 0.18%)

VTI, VXUS, VWO, FXAIX, BND // SNDK, BRK.B

– 27.7% in VTI

– 30.6% in VXUS

– 28.8% in FXAIX (401K)

– 2.49% in VWO (emerging)

– 10.1% in BND

— Stocks —

– 2.8% in SNDK

– 2.8% in BRK.B

Does this portfolio follow the Bogleheads philosophy?