RMD/Taxable account holding place.

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Posts: 34
Joined: Sat Jul 30, 2011 7:37 am

RMD/Taxable account holding place.

Post by Totalconfusion » Sun Apr 15, 2018 11:30 am

Currently have VG Prim MM as a place where Sht term $$$ lives with RMD's coming do in a year.

Trying to decide where to put them as they are not needed as part of a cash flow but can/may be called on for occasional support in daily life time situations and as time clicks on maybe more.
We don't scoff at some growth by any means but preservation of principle is 1st

Considering VG Tax Managed Bal VTMFX or regular Bal Admiral
Wellesley VWINX which I already own.

Any more opins more than welcome

Not tax savvy which is the reason for the post

No heirs no kiddies NahDah.

John Z
Posts: 329
Joined: Sun Nov 14, 2010 5:42 pm

Re: RMD/Taxable account holding place.

Post by John Z » Sun Apr 15, 2018 12:13 pm

I've used VG Short Term Bond Fund to park money for 2-3 years.

Posts: 6438
Joined: Tue Feb 08, 2011 6:13 pm

Re: RMD/Taxable account holding place.

Post by delamer » Sun Apr 15, 2018 1:51 pm

If you are looking for investment suggestions that are good for your particular tax situation, then we need to know more about your income and marginal federal and state tax rates.

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Joined: Sun Mar 04, 2007 9:50 am

Re: RMD/Taxable account holding place.

Post by dbr » Sun Apr 15, 2018 3:07 pm

In general if money is moved from tax deferred to taxable accounts you just manipulate things to continually force your asset allocation to tarket using tax efficient location. This might mean investing the excess cash in a stock fund in taxable, such as total stock market and making whatever changes in tax deferred add up to the right allocation.

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