Quote:
Originally Posted by statsman
This is what I am looking at for our taxable funds, but I'm also 49, 6 years from ER, and live in CA. We're also trying to avoid the AMT, which is why we're considering CA munis or a CA bond fund (VCAIX).
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I'm a little younger at 46 but hope to punch out by 48-49. It seems to take a while to re-balance things if you have been heavy in equities without being taxed out the kazoo, so that's why I'm working on it pretty diligently now...only a couple years, give or take, left to get the starting blocks in place.
BTW, I'm trying to stick with the munis and manage them myself rather than in a fund. It seems that if you are able to do that, you may be able to avoid cap gains tax that you may have in a bond fund (where they buy and sell - it is my understanding that there may be cap gains tax in those, but not entirely certain. Let me know if you have better information).
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