Best Funds for New Taxable Account Seven Years to Retirement

[Tdubs]

The BH threads on best funds for taxable accounts seem to recommend TSM US, Intl, and perhaps a tax exempt muni fund (not many in Maryland but they do exist).

I'm wondering if my particulars change anything. I am just now able to fill my tax advantaged funds (401k, IRAs, HSA) and can think about adding a taxable for the first time. I'd like to retire in about 7 years or so at my FRA yet hold off on SSA till I'm 70. As a result, I'll have about 3 years between 67-70 where my taxable income will be quite low--certainly less than $50k--and I'd cash in my taxable funds to fill the gap. My current tax bracket is 22%. When I retire, I expect to get about $70k from my employer (vacation) that will also help see me through the gap.

Are the usual suggestions still the best?

[livesoft]

I think the usual suggestions are still very very good for most people.

If you want to get fancy, then one could split a total stock market fund into 2 components: a more tax-efficient component and a less (though still reasonably) tax-efficient component. Put the less tax-efficient component in a tax-advantaged account.

[steve roy]

VG Tax-Managed Balanaced Fund, or

VG Three-Fund -- Total Stock Market; Total International Stock Fund, Intermediate Tax Exempt ...

There will be some taxes involved. Way it works.

[Tdubs]

Thanks, good to know some things don't change much.