I know this topic is about rebalancing but one thing to think about is how much you really want in an IRA or 401K. I realized too late that having too much is not wise due to the required minimum distribution. If I had it to do over again I’d have stopped IRA contributions and invested more in my individual investment accounts. Even though they have increased the age to begin RMD it is still a lot to have to withdraw. The tax savings I got while contributing to my IRA will be eaten up by the tax I’ll have to pay on my RMD. I am now trying to convert over the next few years before I have to take RMD.