Welcome to the forum. ![:happy]( "smile")
Of the options you listed, Option B is probably the best. Know that rebalancing a tax-efficient portfolio is usually not difficult. Tax loss harvesting is not a required activity at all (but nice icing on the cake if you want to do it).
Do not copy Betterment (too many funds and too much complexity). Do consider Ferri's models.
I suggest option E even if you also use another option. Option E is to post your financial information here for suggestions on how to set up your portfolio. See how to do that in the link at the bottom of this message. You will learn a lot about your portfolio just by doing this work.
What would the bogleheads community recommend for my scenario? Anybody in support of Option A)?
Option A) Use asset-location aware robo-advisor (e.g. betterment) Any other asset-location aware robos to consider?
Option B) Figure out how to build 3-5 fund asset-location aware portfolio myself. Learn how to rebalance tax efficiently + tax loss harvest. I end up in in analysis paralysis. I guess I could copy the betterment portfolio or find a suitable option using Rick Ferri's 4-fund recommendations. https://rickferri.com/models/
Option C) Somethign else?
Option D) Hire a flat-fee advisor
Thanks in advance for your input
Of the options you listed, Option B is probably the best. Know that rebalancing a tax-efficient portfolio is usually not difficult. Tax loss harvesting is not a required activity at all (but nice icing on the cake if you want to do it).
Do not copy Betterment (too many funds and too much complexity). Do consider Ferri's models.
Statistics: Posted by retiredjg — Mon Feb 05, 2024 3:09 pm