u/Adept_Laugh_2168

Currently 52, single, high income & 8 years out from retirement at 60. Taking Social Security at 62. 450K in my 401(k). 20K in Roth. Just started maxing out 401k, Roth & HSA last year including catch up contributions. Fully funded emergency fund in SGOV, no debt other than 3% mortgage.

Starting to throw an extra 5K-6K monthly into after taxable brokerage account in VOO since I’ve already paid off all debt and maxed out all other tax advantage accounts.

So ALL accounts (other than the emergency fund) are all 100% in VOO or equivalent S&P 500 index fund. I have extremely high risk tolerance.

Should I start gradually start reallocating now with other ETFs since I’m eight years out or closer to retirement? Recommendations for other ETFs and what percentage you’d have in each bucket?

I did a $8600 lump sum back door Roth conversion (including over 50 catch up contribution), depositing the $8600 into a Fidelity traditional IRA which previously had a zero balance, and then immediately moved the entire $8600 to Fidelity Roth account. Now my traditional IRA account is showing a balance of $6.95 which I assume is interest earned from the one day the balance was in the traditional IRA.

My question is what do I do with the $6.95 leftover in the traditional IRA? I’ve already maxed out 2026 Roth and my plan was to keep the traditional IRA account at zero to avoid future pro rata issues for 2027. I will need to continue to do backdoor Roth conversions in 2027 and beyond due to my ihigh income.