Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 04-05-2011, 01:29 PM   #41
Thinks s/he gets paid by the post
 
Join Date: Jan 2006
Posts: 2,925
Quote:
Originally Posted by veremchuka View Post
after tax portfolio is taxable unless i'm missing something. no that would not be a good idea. bonds, small cap and reits are best held in tax deferred or a roth because they are tax inefficient. equities that don't generate a lot of cap gains such as the vg total stock market index is an example of what to hold in a taxable account.
Not sure I understand what everyone is listing. OP's title is something like what's in your aftertax portfolio?

I thought there was taxable (normal stuff not in a formal retirement plan),
tax-deferred (like TIRAs, 401Ks) , & tax free (Roths). Since tax-deferred are sometimes called pre-tax, I had assumed after tax meant Roths.
__________________

__________________
kaneohe is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 04-05-2011, 01:55 PM   #42
gone traveling
 
Join Date: Apr 2009
Location: Eastern PA
Posts: 3,851
We have very little in our respective after-tax (e.g. Roth) portfolios, and doubt that we will touch it on an ongoing basis - if at all, and hate to manage it as we do for our TIRA's.

We kept it simple. For us? Pssst - Wellesley ...
__________________

__________________
rescueme is offline   Reply With Quote
Old 04-05-2011, 03:03 PM   #43
Recycles dryer sheets
 
Join Date: Oct 2007
Posts: 138
Quote:
Originally Posted by kaneohe View Post
Not sure I understand what everyone is listing. OP's title is something like what's in your aftertax portfolio?

I thought there was taxable (normal stuff not in a formal retirement plan),
tax-deferred (like TIRAs, 401Ks) , & tax free (Roths). Since tax-deferred are sometimes called pre-tax, I had assumed after tax meant Roths.
I took "after tax" to mean no tax deferred or tax free accounts; just investments in brokerage account earmarked for retirement.

Marc
__________________
Marc is offline   Reply With Quote
Old 04-05-2011, 06:08 PM   #44
Thinks s/he gets paid by the post
steelyman's Avatar
 
Join Date: Feb 2011
Location: Triangle
Posts: 3,218
Quote:
Originally Posted by travelover View Post
STAR has a bond component. Wouldn't it be more tax efficient to just hold equities in the after tax and the bond portion in tax deferred?
You are correct and make a good point. I've held STAR for quite a long time - one of my earliest forays into investing. I am in the process of selling my shares over time; they will not be replaced. But I do have two other holdings in a taxable brokerage account (Oakmark Equity and Income and Permanent Portfolio) that I think raise the same issue. I'll have to think about how to handle them, as I do like both funds.
__________________
steelyman is offline   Reply With Quote
Old 04-05-2011, 06:48 PM   #45
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jul 2003
Location: Kansas City
Posts: 7,408
The leftover dregs of early ER not yet sold widows and orphans, DRIPs, dividend stocks or whatever label one chooses. Note that prior to 59 1/2 my taxable were a lot of dividend stocks and index funds rode in IRA and Roth.

utes - electric: con ed
- water: aqua america
- gas: national fuel gas
big oil: chevron and exxon
telephone: AT&T, Verizon
pharma: eli lilly, glaxo
food: JM smucker, flowers
REIT WRE, UDR,
Stonemore LLC
financial: JP morgan

Needless to say I also owned a lot of dogs since 1993 - bought, sold and erased from memory.

heh heh heh - well not really.
__________________

__________________
unclemick is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Replacing ETF Portfolio with Stocks/Bonds (for International Tax Reasons) cvc8445 Stock Picking and Market Strategy 7 06-16-2010 10:25 PM
Your Thoughts Pls: Paying for Tax Advice instead of for the Tax Return itself? (LONG) Amethyst FIRE and Money 37 02-21-2010 09:49 AM
When should you add tax free munis to a portfolio nun FIRE and Money 19 10-04-2009 08:01 AM
High Dividend Portfolio vs Portfolio Diversified Across Asset Classes ScaredtoQuit FIRE and Money 36 01-12-2007 01:24 PM

 

 
All times are GMT -6. The time now is 08:27 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.