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Bond fund in taxable account?
Old 07-09-2011, 03:12 PM   #1
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Bond fund in taxable account?

I am in my early fifties with no debt or mortgage. My present portfolio is about 28% in bonds with the breakdown as follows:

17k in a MA muni fund, I live in MA, this is in taxable account
30k in I Bonds in taxable account
65k in Vanguard Total Bond Market Index in Roth
33k in Loomis Sayles Bond Retail in IRA
30K in Vanguard Intermediate Term Grade fund in IRA

I am looking to increase my bond allocation to about 33-35%, but since I have made my full Roth contribution, I would like to put new bond monies in a taxable account, but read this isn't such a great idea. I am looking to initially invest about 20-25k, and was thinking of T Rowe Price Summit Municipal Income, but not sure.

My tax bracket is 25%

Any suggestions would be greatly appreciated.


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Old 07-09-2011, 03:48 PM   #2
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Do you have any stock funds in your tax deferred space? If so buy the equivalent stock fund in your taxable account and simultaneously swap an equal amount of the stock fund in your tax deferred account into the bond fund of your choice.

If not then see LOL's post here: Rebalancing Question

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