Here's one piece of advice to add to the hodgepodge here. . .I would consider your "debt reduction" the "bond part" of your portfolio.
Redeploy your 401(k) to the most aggressive funds you have available to you for choice to give you a "balanced approach" to wealth accumulation/increasing net worth.
So. . .you are putting 31K/year into both 401(k)'s. . .and 20K into debt reduction.
For instance, I would maybe put 50% on a sector fund like healthcare or technology and 50% in international. . .then the other 20% goes to your "conservative investment" - debt reduction.
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