targatom2019
Recycles dryer sheets
I need advice on how to rebalance over all portfolio if I have taxable and tax deferred accounts without paying taxes on gains. Goal is to be 60% in equities and 40% in CD & Bond. I am 50yo and don't have to touch any to these accounts for another 15 years.
example for 60/40 AA in combined multiple accounts:
Taxable brokerage account:
1. CD & Bond accounts: $400,000
2. Index funds(20% international, 80% total market): $300,000
Tax deferred account:
1. IRA Index funds(20% international, 80% total market): $150,000
2. Wife's IRA Index funds(20% international, 80% total market): $150,000
example for 60/40 AA in combined multiple accounts:
Taxable brokerage account:
1. CD & Bond accounts: $400,000
2. Index funds(20% international, 80% total market): $300,000
Tax deferred account:
1. IRA Index funds(20% international, 80% total market): $150,000
2. Wife's IRA Index funds(20% international, 80% total market): $150,000
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