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Old 01-16-2014, 08:58 PM   #81
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Join Date: Jul 2005
Location: Eee Bah Gum
Posts: 21,100
Taxable: 51%
Tax Deferred: 35%
Tax Free: 14%

Will continue to move $$ from Tax Deferred to Roth in the coming years.
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Old 01-16-2014, 09:31 PM   #82
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Join Date: Jul 2013
Posts: 33
Taxable accounts: 56%.
Tax deferred: 35%
Tax free: 9%.
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Old 01-16-2014, 10:15 PM   #83
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Join Date: Oct 2008
Posts: 1,380
Taxable 50%
Tax Deferred 36%
Tax Free 14%
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Old 01-17-2014, 10:59 AM   #84
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Join Date: Oct 2011
Location: Park City
Posts: 101
Taxable: 15%
Tax Deferred: 8%
Tax Free: 77%

After the market tanked, we did some major Roth conversions.
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Old 01-17-2014, 11:23 AM   #85
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Location: Manhattan Beach
Posts: 194
Yup, fully agree. I hope never to fall into category (1) or (2) - that's why I'm here!
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Old 01-18-2014, 10:10 AM   #86
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Join Date: Mar 2010
Posts: 630
I'm about 40/60 (401k & Roth vs taxable) right now and that will shift even more to taxable as time goes on. This is not including social security and my pension.
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Old 01-18-2014, 11:50 AM   #87
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Join Date: Aug 2011
Location: West of the Mississippi
Posts: 6,331
Taxable: 50%
Tax Deferred:40%
Tax Free: 10%
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Old 01-18-2014, 01:29 PM   #88
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Join Date: Nov 2008
Posts: 728
Quote:
Originally Posted by Ready View Post
16% tax free
16% tax deferred
68% taxable

I'm surprised at the number of members with little or no tax free investments. Have municipal bond funds become undesirable lately?
I'm into tax free muni bonds, especially since you don't have to pay the 3.8% Obamacare tax on muni bonds. I've converted to a Roth but still have to pay dividend and State taxes on dividends. I'm lucky that I still have a substantial income that makes muni bonds make sense for me. Over all about 75% of my income is tax free or dividend taxed. I just hope they leave muni bonds alone in the future.
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Old 01-18-2014, 02:52 PM   #89
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Join Date: Oct 2010
Location: Orlando
Posts: 69
Excluding Real Estate:

Taxable: 4.5%
Tax Deferred: 87%
Tax Free: 8.5%

All of the tax free is in munis. My tax bracket will be much lower in 2014 and forward, so I plan to start converting some of the tax deferred into Roths as well as re-evaluating if munis still appropriate investment with lower bracket.
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Old 01-18-2014, 04:01 PM   #90
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Posts: 511
Varied over the path of my career/life. More than 10 years from retirement I was consistently a bit stronger in taxable than tax deferred and was near 100% in equities. Typically around 60/40 taxable/tax-deferred. As I've neared retirement I've treated the taxable portion as near(er) term money and changed the AA in this component of my savings. As a result my taxable accounts are now (1-2 years from retirement) something like 35/65 equities/fixed income while my tax deferred accounts are still 80% equities.

Given the run up in equities over the last 4 years the balance has reversed a bit and I'm now about 48% taxable and 52% tax deferred. (and there's about 0.4% tax free from one year when my income was low enough to permit starting a Roth, but that hardly counts. Hope to do some major conversions from t-IRA to Roth after retirement).
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Old 01-18-2014, 04:51 PM   #91
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Join Date: Jul 2009
Location: North Scottsdale
Posts: 1,231
88% taxable
12% tax deferred

Not including real estate.
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Old 01-18-2014, 06:49 PM   #92
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Join Date: Jul 2011
Location: The Bay Area
Posts: 1,802
37% taxable (including real estate)
52% tax deferred
11% tax free

Excludes pension income.
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Old 01-18-2014, 09:38 PM   #93
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Join Date: Jan 2014
Location: San Jose
Posts: 80
55% taxable
35% tIRA
10% Roth
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Old 01-18-2014, 10:10 PM   #94
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Join Date: Nov 2009
Location: SF East Bay
Posts: 3,129
63% Taxable, 28% TIRA, and 9% Roth.

If I had worked beyond the age of 45, a greater percentage would have been in the IRA's.
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Old 01-19-2014, 07:41 PM   #95
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Join Date: Feb 2012
Location: Spring
Posts: 6
55% Tax deferred
40% Taxable
5% Roth
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Old 01-19-2014, 08:18 PM   #96
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Join Date: Mar 2013
Location: Limerick
Posts: 1,668
30% tax deferred
64% taxable (excluding real estate)
6% Roth

This doesn't include stock options that will vest later this year just before DW retires.
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Old 01-19-2014, 08:41 PM   #97
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Join Date: Feb 2007
Posts: 2,423
0% tax deferred
38% tax free (Roth and HSA)
62% taxable
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Old 01-19-2014, 08:46 PM   #98
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Quote:
Originally Posted by ERD50 View Post
The cost basis of that taxable is important. $1M in taxable with a $1M cost basis is a whole lot different than $1M with a $500K costs basis (I realize this can't all be captured easily in a simple post question - just throwing it out there for thoughts).
It wouldn't be a whole lot different if you take the gains in the 0% tax bracket & if not that, spend other assets & keep these gains till death. That basis steps up for your heirs - at the amounts you're talking - & no tax.
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Old 01-19-2014, 10:00 PM   #99
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Join Date: Oct 2006
Posts: 7,450
54 Taxable
44 IRA
2% Roth

will be increasing the roth this year.
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Old 01-19-2014, 11:48 PM   #100
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Join Date: May 2006
Location: west coast, hi there!
Posts: 5,686
2% taxable
6% tax deferred Ibonds (until 2030)
57% tIRA
35% Roth

Fat city until RMD time.
Taxes don't drive our portfolio strategy nowadays.
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