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LOL! · 02-16-2008, 08:42 AM

So if you plug in all those numbers into a Morningstar X-ray analysis, what does it tell you (and us)? % bonds? % cash? %stocks? %foreign? %large, mid, cap, growth, blend, value?

I personally would not have 9% mostly in a taxable money market. But you wrote that you had too much cash. Although one sees that small cap value should be in a tax-advantaged account, it ain't that bad in a taxable account. See, for example,
Bogleheads :: View topic - Tax-efficiency of value funds - update
So if you needed room in tax-advantaged for bonds or cash, that 5% allocation to small cap value could be used and SCV put in taxable.

I unloaded Vg Tax Managed Int'l at loss when I did tax-loss-harvesting. The Diehards seem to suggest that Vg FTSE world exUS may be better for a taxable account. It has emerging markets and no 1% fee for selling before 5 years. The Vg Tot Int'l does not have emerging markets and is a fund of funds, so one apparently cannot take the foreign tax credit with it.

02-16-2008, 08:42 AM	#2
LOL! Thinks s/he gets paid by the post Join Date: Jun 2005 Posts: 3,079	So if you plug in all those numbers into a Morningstar X-ray analysis, what does it tell you (and us)? % bonds? % cash? %stocks? %foreign? %large, mid, cap, growth, blend, value? I personally would not have 9% mostly in a taxable money market. But you wrote that you had too much cash. Although one sees that small cap value should be in a tax-advantaged account, it ain't that bad in a taxable account. See, for example, Bogleheads :: View topic - Tax-efficiency of value funds - update So if you needed room in tax-advantaged for bonds or cash, that 5% allocation to small cap value could be used and SCV put in taxable. I unloaded Vg Tax Managed Int'l at loss when I did tax-loss-harvesting. The Diehards seem to suggest that Vg FTSE world exUS may be better for a taxable account. It has emerging markets and no 1% fee for selling before 5 years. The Vg Tot Int'l does not have emerging markets and is a fund of funds, so one apparently cannot take the foreign tax credit with it.