DSInvestor wrote:Wellesley Income and Wellington hold taxable bonds. If you're in a low tax bracket Fed and State, it may be fine to hold taxable bonds (or Wellesley/Wellington) in taxable. Using separate funds like TSM, TISM and bond funds would give you the flexibility to choose the type of bonds that fit best with your tax situation. For example an investor who lives in California in a high tax bracket may find it advantageous to hold a mix of California Intermediate Term Tax Exempt Bond and Intermediate Term Tax Exempt Bond (National fund) for the bond allocation in the taxable account. An retiree in the 10% tax bracket who resides in Texas, which has no state income tax, may be just fine with Wellesley Income or Wellington in a taxable account.
Whatyear? wrote:Thanks to everyone for the responses. I will definitely use this as I decide what to do for 2013. After reading these I am looking into Value Index (as well as 500 Index) and tax exempt bonds.
Whatyear? wrote:let's say that for total AA purposes I HAVE to have some portion of my taxable account in bonds. Which is better from a pure tax standpoint - to hold a mix of Wellington and Wellesley to get to my desired AA, or a mix of TSM and TBM?
livesoft wrote:Why S&P500 and not a TotalMarketIndex fund?
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