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heres another thing to be careful about: usually its bantered about to do a roth conversion at some point to keep taxable income down later on. , as well as the standard advice of keeping your income generating holdings in your tax defered account and your tax managed and low turnover index stock funds in your taxable account. but becareful ,,,those low tax distributions thru the years can absolutley hammer you later on when you sell.you may owe tax on whopping gains. most of the funds i have thru the years are not tax managed and the last few few years some had tremendous taxable distributions. as much tax as we have paid thru the course of years we would still owe quite a bit if we sold . i can only imagine how much taxable income we would have if we liquidated if we didnt already have a good portion paid thru the years.
just a heads up, i dont want to debate the pros and cons of tax managed accounts
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