1) about 70% of my portfolio is in after tax accounts, 30% in Rollover IRA and 401k;
2) generally, bonds would be better to hold in tax deferred accounts and low turnover/equity ETF's/funds in after tax accounts
The part I'm struggling with:
A) with about 70% of my portfolio after tax, I can't get to 43% bonds unless I max out my 401k/Rollover IRA with all bonds, then buy more bonds with after tax accounts.
B) My goal is to retire around 60-62 and live off after tax accounts and defer SS until age 70. That would lead me to think that, with a longer horizon before needing to draw proceeds from tax-deferred accounts, I can better tolerate risk (equities) in my 401k/Rollover IRA;
C) where then, should I leverage bonds?:
- buy equities in 401k/Rollover IRA and invest in muni-bond funds in after tax accounts?
- buy corporates and govt bonds in after tax accounts and don't let the tax tail wag the portfolio dog?
- Forego bonds (given rising rates - at least for now) and invest in CD ladder?
- something else?