We generally recommend that our clients take advantage of maximizing their contribution to a Roth IRA when they are eligible. It’s great that you are currently splitting your contributions between the Roth and Traditional 401(k). In your position, it makes sense for you to continue to hedge the “tax bet” since you are 48 and are likely at or nearing the highest tax bracket that you will be in during your lifetime. To get it close to a 50/50 split between your Roth and Traditional contributions you could contribute 70% of your 401(k) contribution to the Traditional and the other 30% to the Roth. Then you could max out your Roth IRA ($5,500) with your remaining savings. Regarding the Vanguard fund, unfortunately we are not able to give specific investment advice, however Vanguard funds are typically a good option for investors due to their broad exposure and low costs.Our fee is based on a percentage of the assets that we manage; however, we do offer complimentary consultations where we break down your entire financial picture. We’re also happy to point you in the right direction if our service isn’t necessarily the right fit.