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Re: Anybody know anything about Amerus Life Annuities?
Old 01-31-2007, 05:31 PM   #21
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Re: Anybody know anything about Amerus Life Annuities?


One problem with the balanced funds/Target Retirement funds in taxable accounts is that they are constantly rebalancing, realizing LT and ST gains.

Plus, if your friend is in a higher tax bracket, the balanced funds/Target Retirement funds use fully taxable bonds [except Vanguard TM Balanced].

You might explore filling up his tax deferred accounts [401(k), Roth] with bonds first, and using the money in the taxable for tax efficient equities [ETF's, VTSMX, etc]. IMO, taking all his retirement accounts into consideration for asset class placement would be better than having a mix to stocks and bonds in each account.

- Alec

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Re: Anybody know anything about Amerus Life Annuities?
Old 01-31-2007, 05:38 PM   #22
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Re: Anybody know anything about Amerus Life Annuities?

And that's definitely the goal. My thought was an ETF, and perhaps even convincing him to max his retirement accounts (401k and IRA) and use the inheritance to suppliment, thereby effectively transferring the money into tax deffered accounts.

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