[jively]

Your plan sounds good.

Generally, I would have two "groups" of money on my net worth statement: cash equivalents, and investment assets. Your emergency fund and checking acct are in your cash equivalents. For the investment assets, that is your Roth 401k and Roth IRA.

You are including your cash equivalents in your 60/40, 65/35, or 70/30 portfolio. If you want to do that, fine. Generally, I would think that the investment assets would be 60/40, 65/35, or 70/30, and not include the cash equivalents in that allocation.

The bond portion of your investments should be short-term and intermediate-term and high quality. Since your accounts are at Vanguard, I would suggest 50% Short-Term Invest-Gr Inv and 50% Inter-Term Invest-Gr Inv (if available).

Good luck,

-Tom