One place to start is the bogleheads wiki. Specifically this page: https://www.bogleheads.org/wiki/Tax-eff ... _placementThis is about how to allocate wealth given the typical spread of accounts.
I am familiar with the concept of tax efficiency.
I have the accounts most of us do:
- An emergency fund of a year's expense.
- 529S for each of my kids.
- Brokerage account.
- IRA.
- 401k.
- Roth 401.
Assuming I have a standard Boglehead allocation of US stocks, int'l stocks and bonds,
do you all put differing allocations in differing accounts?
More bonds in the tax deferred accounts?
More stocks in the taxable accounts?
Somewhat related: Do you prefer Target Date accounts (grad for 529, retirement for 401) or your own allocation bw stocks and bonds?
Given that Target accounts are more stock-heavy in the early years, more bond-heavy in the later years, how do you consider tax efficiency when the AA changes as a function of time?
TIA. Happy Holidays to all. I appreciate the sense of community and sharing understanding.
Cheers.
Statistics: Posted by dcabler — Sat Dec 23, 2023 4:37 am