Search found 2 matches

by Someguitarist
Thu Jul 12, 2018 11:54 am
Forum: Personal Investments
Topic: Help balancing for tax effeciency with multiple acounts
Replies: 3
Views: 605

Re: Help balancing for tax effeciency with multiple acounts

First, thanks guys for the responses. Second, I only just realized I spelled 'accounts' wrong in the title and I'll never live it down! :)

@averagedude - Thanks. That pretty much answers my questions. I'll switch my Trad 401k to bonds, Roth over to stocks and start a taxable as VTSAX/VTIAX.
@CrazyCatLady - Oh wow, that's pretty informative. Thanks. Once I plugged in all my tax rates I ended up with VTI being *almost* the most tax efficient at ~0.42%. Lowest was 0.41, so I'll probably still stick with it for the international credits.

Sounds like I have a game plan! Thanks all!
by Someguitarist
Wed Jul 11, 2018 3:37 pm
Forum: Personal Investments
Topic: Help balancing for tax effeciency with multiple acounts
Replies: 3
Views: 605

Help balancing for tax effeciency with multiple acounts

Hi all, I recently have been maxing out my tax advantaged space for retirement while paying student loans. Now that the loans are over (Yay!) I'd like to move into the taxable space, but I'm wondering how I should re-balance everything to be the most tax efficient since I'm in a high tax bracket. I read the article on Tax-Effecient Fund Placement here (https://www.bogleheads.org/wiki/Tax-efficient_fund_placement) and have also been reading posts about not putting bonds in Roth IRA's and International in taxable or not and I think I'm just in information overload. Any help you guys/gals could give would be much appreciated. Details: Single - 215k income. 35% tax bracket! Ouch! 401k ~50k with a hand-picked selection for lower fees. 43% JPMorg...