r/Bogleheads•
kewanji

Where to Invest Extra Investment Cash

I have about $1,000 from me (43) and my wife's (36) quarterly bonuses that I need to allocate towards our retirement savings but unsure where or what to invest it in. We follow the boglehead investment strategy (12% combined gross in my 403b TDF & 8% combined gross split in both of our T-IRAs (VTI=55%, VXUS=35%, BND=10%). Due to our budget, we are unable to contribute to Roth IRAs at this time and still hit our 20% yearly gross savings goal, but that is the goal in the near future.

We have already maxed out IRA contributions for the year and I don't receive another paycheck for the year where I would've just increased my contribution to allocate the $1,000.

I was thinking of just contributing it to a joint taxable brokerage and keep with the same (VTI, VXUS, BND) split, but not sure if that would be the right move. Any help would be appreciated.

Posted Dec 29, 2025, 6:35 PM UTC

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