https://blog.wealthfront.com/differenti ... investors/
I'd love to get everyone's opinions on this:
It's a little unclear how to apply this, and I suppose their answer would be "let us manage your money for you and we'll do it", but I wonder if there is anything to their arguments, which differ from the standard Bogleheads approach to asset location, and how to replicate it in your own portfolio if so.Differentiated asset location differs from segregated asset location in that it focuses on calculating allocations that deliver the best after-tax returns for each type of account – be it retirement or taxable. To make decisions about differentiated asset location, we consider the tax characteristics of an asset class, its potential for risk-adjusted return, and the way it balances the risks of the other asset classes in the account. In other words the allocation is not solely based on tax efficiency or inefficiency.