Early Retirement & Financial Independence Community - View Single Post - AA & withdrawals between taxable and non taxable accounts.

clifp · 05-14-2007, 10:08 PM

The short answer to your question is in general, you want your higher tax assets in your IRAs and your lower taxed assets in your taxable accounts.

This means that your IRA should have bonds, CDs, REITs, and actively managed mutual funds with a high turn over. Index funds, and individual growth stocks in your taxable account. Dividend stocks are fine in either.

You certainly should count your land as part of your investments, and I would lighten up on an REITs to compensate for it. Also if you sell it would be an excellent source of money to use to buy an index fund. Now while I am a big fan of individual stocks 80% of your assets seems excessive, am I correct that you have virtually no mutual funds or ETFs? . I'd start selling the individual security in my IRA first, along with tax harvesting any losers you may have in your taxable accounts.

05-14-2007, 10:08 PM	#4
clifp Thinks s/he gets paid by the post Join Date: Oct 2006 Posts: 3,009	The short answer to your question is in general, you want your higher tax assets in your IRAs and your lower taxed assets in your taxable accounts. This means that your IRA should have bonds, CDs, REITs, and actively managed mutual funds with a high turn over. Index funds, and individual growth stocks in your taxable account. Dividend stocks are fine in either. You certainly should count your land as part of your investments, and I would lighten up on an REITs to compensate for it. Also if you sell it would be an excellent source of money to use to buy an index fund. Now while I am a big fan of individual stocks 80% of your assets seems excessive, am I correct that you have virtually no mutual funds or ETFs? . I'd start selling the individual security in my IRA first, along with tax harvesting any losers you may have in your taxable accounts.