Re: Help me allocate
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Let's assume I can save 15% without crimping my lifestyle. 20% if I was desperate but I am not. I have many many years until retirement.
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You should be maxing out your 401K and actively managing your allocation to the various funds available to you there.
You should deal with your company stock the same way you would handle any other stock in your taxable account, buy when its undervalued, sell when its overvalued. You should also ensure that it doesn't become a large percentage of your assets, and trading around a core position within the annual ownership restriction would be one way to do that. The 15% corp gift certainly helps, but you still want to be buying when the stock is expected to go up.
Anything else should go into your taxable trading account.
Think of your 401K as your income generator for 65+, and your taxable port as your retire early income generator [img]/images/graemlins/wink.gif[/img]
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