How Many Funds Do You Have in Taxable?

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How Many Funds Do You Have in Taxable?

0
26
10%
1
25
9%
2
56
21%
3
42
16%
4
31
12%
5+
87
33%
 
Total votes: 267

traveler90
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How Many Funds Do You Have in Taxable?

Post by traveler90 » Wed Mar 05, 2014 11:46 am

IF you own individual stocks, do not count those. Only mutual funds/etfs here.

And, do you hold funds in taxable that you also hold in tax-advantaged accounts?

Thanks.

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Re: How Many Funds Do You Have in Taxable?

Post by Grt2bOutdoors » Wed Mar 05, 2014 12:18 pm

5+ - I slice and dice in addition to holding tax efficient broad based indexed funds.

Yes and no, I hold broad based indexed funds in and outside of taxable accounts. I hold tax inefficient funds and tax-efficient broad based index funds in tax deferred vehicles.
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Re: How Many Funds Do You Have in Taxable?

Post by Clever_Username » Wed Mar 05, 2014 12:22 pm

Three, not including a MM fund that occasionally has money in it.

VTIAX -- 100% of my international stock is in taxable

VTSAX -- all of my tax-treatment types have domestic stock in them.

VCAIX -- a bond fund I'm using to "make car payments" -- my car's paid off, and I pay $250/month into this towards my next car. Now that I know about the differences between average cost and specific ID of shares, I might change the frequency of the payments, or writing a check when I'm ready for the car might be a hassle.
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feh
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Re: How Many Funds Do You Have in Taxable?

Post by feh » Wed Mar 05, 2014 12:22 pm

total US market
total ex-US market
US small value
ex-US small

livesoft
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Re: How Many Funds Do You Have in Taxable?

Post by livesoft » Wed Mar 05, 2014 12:35 pm

When we started investing in taxable (early 1980's) all the popular tax-efficient funds did not exist. 2008-2009 allowed us to clean up the portfolio somewhat and reduce the number of funds required. Nevertheless, we have continued to tax-loss harvest along the way, so for a given asset class, we may have 2 funds. Or maybe we will have more funds because a new product came out. It hasn't been too long since VSS came into being and since the all-world ex-US funds have encompassed all-caps instead of just large-caps.

In the meantime, we remain "trapped" by large unrealized cap gains in some funds that we would not purchase more shares of today.

And yes, some of the funds in taxable are also held in tax-advantaged.
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cheese_breath
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Re: How Many Funds Do You Have in Taxable?

Post by cheese_breath » Wed Mar 05, 2014 1:05 pm

Two in taxable, Vanguard Total Stock Market and S&P 500 indexes. So when I take tax free capital gains out of one (I'm in 15% bracket) I can immediately invest them in the other and bypass frequent trading policy.
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SHL
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Re: How Many Funds Do You Have in Taxable?

Post by SHL » Wed Mar 05, 2014 1:21 pm

Three in taxable, all Vanguard: total stock index, total international stock index, and intermediate tax-exempt.
Stephen

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Re: How Many Funds Do You Have in Taxable?

Post by DieselEngineer » Wed Mar 05, 2014 1:50 pm

I have 2. All of my international holdings in Vanguard's Total International, the remainder in Total Stock. My tax advantaged have Total Stock, F, and G. F and G are my bond holdings. Any remaining space in that tax advantaged account beyond my desired bond AA is C fund, an S&P 500 index.
Went from 14 funds to 4 Funds - TSM, TISM, F, and G!

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Re: How Many Funds Do You Have in Taxable?

Post by placeholder » Wed Mar 05, 2014 1:54 pm

Eight ETFs as a result of slice and dice and tax loss harvesting.

minesweep
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Re: How Many Funds Do You Have in Taxable?

Post by minesweep » Wed Mar 05, 2014 2:00 pm

Excluding Prime Money Market (dividends and capital gains go here)

Total Stock Market Index Admiral
Tax-Managed Int’l Stock Fund
Emerging Markets Stock Index Admiral
Capital Opportunity Admiral
PA L-T Tax-Exempt

Mike

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LAlearning
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Re: How Many Funds Do You Have in Taxable?

Post by LAlearning » Wed Mar 05, 2014 2:00 pm

Total Intl
Total US
Interm TE
I know nothing!

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Doc
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Re: How Many Funds Do You Have in Taxable?

Post by Doc » Wed Mar 05, 2014 2:17 pm

Hmmn ...

In the poll the biggest number is the 5+ group but the people that are posting are all in the <= 5 groups. I wonder why.

Perhaps all of us with the 5+ are too busy keeping track to have time to post.
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Peter Foley
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Re: How Many Funds Do You Have in Taxable?

Post by Peter Foley » Wed Mar 05, 2014 2:30 pm

I voted 1 based on the use of the word "funds". I own only Total Stock Market in taxable. I do also have a few I-Bonds, two inherited EE bonds, and a commercial rental property.

traveler90
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Re: How Many Funds Do You Have in Taxable?

Post by traveler90 » Wed Mar 05, 2014 2:35 pm

I'm surprised no one has said they own Total Bond Market in taxable. I would have guessed that was a popular one. Seems many people are choosing tax-exempt bond funds instead.

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NAVigator
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Re: How Many Funds Do You Have in Taxable?

Post by NAVigator » Wed Mar 05, 2014 2:43 pm

Two; Vanguard Total Stock Market (VTIAX) and Vanguard Total International Stock Market (VGTSX).

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RyeWhiskey
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Re: How Many Funds Do You Have in Taxable?

Post by RyeWhiskey » Wed Mar 05, 2014 2:47 pm

None: I'm poor enough to be able to max my Roth and HSA and call it a day for retirement contributions. :beer
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sscritic
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Re: How Many Funds Do You Have in Taxable?

Post by sscritic » Wed Mar 05, 2014 2:52 pm

Six including MM.
No.

JV
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Re: How Many Funds Do You Have in Taxable?

Post by JV » Wed Mar 05, 2014 2:59 pm

One (Prime MM) for a small emergency fund. I'm in the process of maxing tax-deferred and paying my mortgage by 2015 or 2016, so taxable investing is not in the cards for me right now. I was thinking about starting taxable early, but decided against it. When the home is paid, then I'll probably start with one additional fund: VG Tax-Managed Balanced (or I may add two: VG Total Stock and NY LT Bond).

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FrugalInvestor
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Re: How Many Funds Do You Have in Taxable?

Post by FrugalInvestor » Wed Mar 05, 2014 3:02 pm

I voted two, forgetting that we also have a money market account which is just there for temporary storage - so we actually have three.

The two primary funds within our taxable are Vanguard Total Stock Market Index and Total International Stock Market Index. We do not hold these funds in tax exempt although depending up on our spending and market performance that could eventually happen in order to maintain our desired asset allocation.

At this point in early retirement we are spending only from our taxable accounts.
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Re: How Many Funds Do You Have in Taxable?

Post by BuckyBadger » Wed Mar 05, 2014 3:04 pm

traveler90 wrote:I'm surprised no one has said they own Total Bond Market in taxable. I would have guessed that was a popular one. Seems many people are choosing tax-exempt bond funds instead.


Wouldn't you only need bonds in taxable if you had already filled your tax-advantaged funds with bonds? I always followed the rule to keep bonds OUT of taxable if at all possible.

I have one fund in taxable - Total International Stock. As my funds increase, I forsee possibly having to add Total US Stock in taxable, but we have a lot of tax advantaged space, so we're able to keep most of our money in that rather than in taxable.

We only have 3 funds to begin with, anyway, and I don't tax loss harvest, so no additional funds from that.

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avenger
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Re: How Many Funds Do You Have in Taxable?

Post by avenger » Wed Mar 05, 2014 3:07 pm

traveler90 wrote:IF you own individual stocks, do not count those. Only mutual funds/etfs here.

And, do you hold funds in taxable that you also hold in tax-advantaged accounts?

Thanks.


2. VTIAX, VTSAX

I only hold international in taxable. Roth is all VTSAX, 457 is index domestic equities and FI.
cheers ... -Mark | "Our life is frittered away with detail. Simplify. Simplify." -Henry David Thoreau | [3 fund portfolio: VTI, VXUS, SV fund (yield 3.01%)]

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rob
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Re: How Many Funds Do You Have in Taxable?

Post by rob » Wed Mar 05, 2014 3:09 pm

Depends on purpose (I said 5+)....

For retirement - it's the 3 TM funds (Cap App, Int & Small) but also have regular small cap idx from some tax loss harvesting some time ago where I was not able to get back to the TM fund due to gains.

For college - I use total mkt index only.

Zero bond funds in taxable - that makes no sense and I have not so far not needed Muni's, but prime MM and tax free MM (I should close prime I guess but I have cheques for it, so keep it open as I might flip back to it one day from the Tax free MM).
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IlliniDave
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Re: How Many Funds Do You Have in Taxable?

Post by IlliniDave » Wed Mar 05, 2014 4:11 pm

There is one fund I have in common between taxable and tax-deferred, VG Total Stock Market Index (Admiral in taxable, Institutional in 401k).
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xrw1
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Re: How Many Funds Do You Have in Taxable?

Post by xrw1 » Wed Mar 05, 2014 4:21 pm

2 funds in taxable

Vanguard Total International VGTSX and Vangaurd Total Stock Market VTSMX

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Re: How Many Funds Do You Have in Taxable?

Post by 2beachcombers » Wed Mar 05, 2014 4:32 pm

fstvx, spartan total mkt(er-6bp)
fusvx, spartan S&P(er-5bp)
fsivx, spartan international(er-12bp)
fpmax, spartan emerging(er-20bp)

Reits, bonds,( value, small--US and int each) in deferred

jerry

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Dale_G
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Re: How Many Funds Do You Have in Taxable?

Post by Dale_G » Wed Mar 05, 2014 6:49 pm

I have 10 funds in taxable, but all is not what it seems.

Total Stock Market and Total international make up the bulk of the taxable account.

But due to tax loss harvesting, we also own:

VV (Large Cap ETF) + VTMSX (Tax Managed Small Cap) in proportion to = Total Stock Market

VEU (FTSE All World ex-US) + VEA (Developed Market Int'l ETF) + VSS (Small Int'l ETF) + VWO (Emerging Market ETF) in proportions to = Total International.

In addition, we have both Intermediate and Long Term Municipal bonds. From the practical standpoint, we own Total Stock Market and Total Int'l + the muni funds.

Except for the Muni's and and VWO, everything is big on capital gains. If we every have a really deep crash, I'll be able to do some consolidation. In the meantime, it is little effort to manage the accounts. Dividends go to the Money Market account (not counted above) and then are directed to wherever needed.
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Re: How Many Funds Do You Have in Taxable?

Post by mickeyd » Wed Mar 05, 2014 7:50 pm

Just TSM and S/T Bond. Keeping it as simple as I can.
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Toons
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Re: How Many Funds Do You Have in Taxable?

Post by Toons » Wed Mar 05, 2014 7:56 pm

10 :happy
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Re: How Many Funds Do You Have in Taxable?

Post by jbk » Wed Mar 05, 2014 8:44 pm

Doc wrote:Hmmn ...

In the poll the biggest number is the 5+ group but the people that are posting are all in the <= 5 groups. I wonder why.

Perhaps all of us with the 5+ are too busy keeping track to have time to post.


I've noticed this about several of the Boglehead polls. The vote goes one way and the comments go another. We're a tough group to figure out.

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Tycoon
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Re: How Many Funds Do You Have in Taxable?

Post by Tycoon » Wed Mar 05, 2014 8:49 pm

Three:
VPMAX
VFIJX
VMMXX
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pennstater2005
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Re: How Many Funds Do You Have in Taxable?

Post by pennstater2005 » Wed Mar 05, 2014 8:53 pm

0.
I still don't max out the tax advantaged accounts. A Roth, traditional, and simple gives me plenty of space to try and max someday.
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iceport
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Re: How Many Funds Do You Have in Taxable?

Post by iceport » Wed Mar 05, 2014 8:56 pm

Just two:

Vanguard Total Stock Market Index (VTSAX)
Vanguard Emerging Markets Stock Index (VEMAX)

I do not hold these funds or anything similar anywhere else.

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Re: How Many Funds Do You Have in Taxable?

Post by abuss368 » Wed Mar 05, 2014 8:57 pm

SHL wrote:Three in taxable, all Vanguard: total stock index, total international stock index, and intermediate tax-exempt.


This is an excellent taxable account portfolio.
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Re: How Many Funds Do You Have in Taxable?

Post by abuss368 » Wed Mar 05, 2014 9:05 pm

I do like the Three Fund Portfolio for taxable accounts:

* Total Stock Index
* Total International Index
* Intermediate Term Tax Exempt

I have family in this exact portfolio and it has worked well.
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livesoft
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Re: How Many Funds Do You Have in Taxable?

Post by livesoft » Wed Mar 05, 2014 9:07 pm

jbk wrote:
Doc wrote:Hmmn ...

In the poll the biggest number is the 5+ group but the people that are posting are all in the <= 5 groups. I wonder why.

Perhaps all of us with the 5+ are too busy keeping track to have time to post.


I've noticed this about several of the Boglehead polls. The vote goes one way and the comments go another. We're a tough group to figure out.

These are funny posts because at the time of Doc post it was the 11th response and 4 of the 11 were in the >=5 group more than consistent with the poll. And now with about 33 posts, there should be about 10 folks who have >=5 funds and there are 8 have posted as >=5 if I have counted right. So well within the margin of expectations.
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Re: How Many Funds Do You Have in Taxable?

Post by Ged » Wed Mar 05, 2014 9:15 pm

One, VT.

I do not hold this in tax deferred.

poker27
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Re: How Many Funds Do You Have in Taxable?

Post by poker27 » Wed Mar 05, 2014 9:26 pm

Im slowly going down to three (total US, total international, and tax exempt bond). I'm in the process of slowly selling my posistions in Wellington, and have to figure out how I will get rid of my dividend fund

BanditKing
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Re: How Many Funds Do You Have in Taxable?

Post by BanditKing » Wed Mar 05, 2014 9:33 pm

Total International, Total Stock, and Intermediate Municipal Bond funds, plus the MM sweep. However, I'm thinking of moving most of my bonds out of tax-advantaged into taxable and more stocks into tax-advantaged (based on recent article on White-coat Investor).

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Re: How Many Funds Do You Have in Taxable?

Post by abuss368 » Wed Mar 05, 2014 9:40 pm

Two things are becoming obvious to me:

1) A lot of the responses are noting a taxable "Three Fund Portfolio" with Total Stock Index, Total International Index, and Intermediate Term Tax Exempt bonds.

2) The poll results thus far in terms of the 2 and 3 funds is 37% and greater than the 5+ funds.

Very interesting thread.
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placeholder
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Re: How Many Funds Do You Have in Taxable?

Post by placeholder » Thu Mar 06, 2014 1:31 am

Doc wrote:In the poll the biggest number is the 5+ group but the people that are posting are all in the <= 5 groups. I wonder why.

Hey I'm people.

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Re: How Many Funds Do You Have in Taxable?

Post by Doc » Thu Mar 06, 2014 10:43 am

placeholder wrote:
Doc wrote:In the poll the biggest number is the 5+ group but the people that are posting are all in the <= 5 groups. I wonder why.

Hey I'm people.


OK placeholder and livesoft. I'm guilty of skimming and a little hand waving.

But I still get the impression that high number of fund people (now 41) are less represented or at least less verbose.

We have only five equity funds in taxable ignoring minor positions and counting very similar large cap blend funds as only a single fund.

We also have five short term bond funds but again in aggregate they are equivalent to a single Barcap 1-5 Gov/Credit fund.
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Re: How Many Funds Do You Have in Taxable?

Post by FillorKill » Thu Mar 06, 2014 11:13 am

Doc wrote:
But I still get the impression that high number of fund people (now 41) are less represented or at least less verbose.


There isn't much to say. I have to scroll quite a bit on my VG 'balances & holdings' page (maybe 3-4 pages worth). This is a product of path dependency, time and using individual funds for tilting to SmB & HmL. Starting from scratch with cash I could clean this up considerably but the cap gains lock-up is the primary constraint.

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Re: How Many Funds Do You Have in Taxable?

Post by island » Thu Mar 06, 2014 11:25 am

poker27 wrote:Im slowly going down to three (total US, total international, and tax exempt bond). I'm in the process of slowly selling my posistions in Wellington, and have to figure out how I will get rid of my dividend fund


Why getting out of Wellington? To simplify, poor returns, or?
Curious because I have that in my 401K.
Thanks

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Re: How Many Funds Do You Have in Taxable?

Post by Levett » Thu Mar 06, 2014 11:49 am

Why sell Wellington and other dividend fund over time in taxable?

Sure looks like a tax-efficient move based on what will remain.

Lev

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Re: How Many Funds Do You Have in Taxable?

Post by moneyman11 » Thu Mar 06, 2014 11:54 am

Nothing other than I Bonds in taxable.

After maxing out two 401k's, two Roth IRAs, and an HSA every year, the rest of post-expenses money went toward paying down mortgage ... and now that that is done, preparing for upcoming college costs.

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Re: How Many Funds Do You Have in Taxable?

Post by sscritic » Thu Mar 06, 2014 12:02 pm

Dale_G wrote:But due to tax loss harvesting, we also own:

That's part of it for me as well. I TLHed and picked up Large Cap in 2008; I later added TSM, but the cost of selling Large Cap and reaping all those gains makes no sense. I also had tax-managed international and EM before Total International thought that the world included emerging markets. I sold the TMI in 2011 to reap more losses, but kept the EM. As bad as EM has been lately, I still have gains I won't take. Those are my extra two, plus the MM, for a total of 6.
Last edited by sscritic on Thu Mar 06, 2014 12:04 pm, edited 1 time in total.

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Re: How Many Funds Do You Have in Taxable?

Post by abuss368 » Thu Mar 06, 2014 12:03 pm

island wrote:
poker27 wrote:Im slowly going down to three (total US, total international, and tax exempt bond). I'm in the process of slowly selling my posistions in Wellington, and have to figure out how I will get rid of my dividend fund


Why getting out of Wellington? To simplify, poor returns, or?
Curious because I have that in my 401K.
Thanks


I am guessing that the poster has Wellington located in a taxable account.
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sscritic
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Re: How Many Funds Do You Have in Taxable?

Post by sscritic » Thu Mar 06, 2014 12:04 pm

I would think so, given that this thread is about taxable.

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Re: How Many Funds Do You Have in Taxable?

Post by FillorKill » Thu Mar 06, 2014 12:06 pm

Edit: Duplicate
Last edited by FillorKill on Thu Mar 06, 2014 12:26 pm, edited 1 time in total.

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CABob
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Re: How Many Funds Do You Have in Taxable?

Post by CABob » Thu Mar 06, 2014 12:10 pm

Five.
Total stock market (Also in IRA)
Money Market
Short term investment grade bond (chasing yield)
VIG
SDY
Bob

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