Given that we really don’t know for sure how this will shake out, I’m proceeding with a sort of half foot in the door and half foot outside, depending on when I might need the buckets of money.

IRA/401k. Since I can’t access this for another 20 years when I turn 65, I’m pretty much leaving this on autopilot and every so slightly rebalancing between the funds. Leaving things in a mix of stock, international stock, some short term bonds, with a heavier concentration in domestic/international stock

529k/UTMA account. Money from this buck is needed sooner, in about 5 years when my kid goes to college. I contribute $2000/month to it, and to reach my end goal in 5 years, I only need the existing balance to earn 3% annually for the next 5 years. So this pool is allocated in 10% stock and the rest in moneymarket/treasuries/short term bonds. No additional risk needed above 3% return.

For last pool, after tax my speculation pool, for practical purposes I treat this as daily liquidable. This is where I do my more frequent buying/selling and and contains my after tax index ETFs instead of (moved index mutual funds into their ETF equivalents).