[Sean]

If you already maxed out the Roth IRA you can’t also contribute to a traditional Ira.

If you you already have vtsax, vfiax doesn’t really add any diversity or anything.

[Barry]

Others have covered the Roth/Traditional IRA limit (basically, it’s a combined total for the two, so if you’ve maxed one, you’re done for the year).

If you are looking for other funds to invest in, consider adding some small-cap value (VIOV, AVUV, or similar).

Paul Merriman famously recommends 50% Total Stock Market, 50% SCV as a simple, long-term accumulation portfolio, and ChooseFI luminary Frank Vasquez does something similar on the equities side of his risk parity portfolios.

[Charlie]

It’s Roth OR Traditional IRA…unless you mean you maxed out your Roth 401k?

[Bill]

HDHP with HSA. You can max and invest that money. For 2024, $4,150 for single and $8,300 Self + 1/Family.

[Author]

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