How to Manage Your Asset Allocation

All money directed at one goal, like retirement, should be managed as one asset allocation. We are aiming for an 80-20 stock to bond ratio in our portfolio. Unfortunately, though, my only bond option in my employer accounts from my 401k and 457b is metropolitan West's total return bond fund or MWTRX. Would you recommend transitioning the majority if not all of the 401k to that fund despite the relative high expense ratio? Or would you recommend using the taxable account for bonds knowing that it will be lower cost, but maybe not quite as tax-efficient? My 401k does have lower cost funds available for stocks such as VTI.

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