Lisa99
Thinks s/he gets paid by the post
- Joined
- Aug 5, 2010
- Messages
- 1,440
With it looking like we'll be able to retire in three years or less, I'm shifting us to a less aggressive AA. We're currently at 60/40, but I'm moving us to 50/50. Between that shift and the recent stock market run up, our AA is overweight in equities by 8% and under in bonds by the same percent.
Now my delimma. Our tax deferred accounts are 100% bond index funds and we have no Roths due to our income level, so I have no room in tax deferred or tax free accts to add bonds.
So all that's left is our taxable accounts. I'm a 100% indexer, like to keep the investments as simple as possible and our taxable account is in Vanguard.
So knowing that I need to sell equities what would you buy? Some options include buying Total Mkt Bond Index even though it's not tax effecient, possibly a tax exempt municipal fund which I'm not crazy about (also in Vanguard), or some other option I haven't thought of yet.
Now my delimma. Our tax deferred accounts are 100% bond index funds and we have no Roths due to our income level, so I have no room in tax deferred or tax free accts to add bonds.
So all that's left is our taxable accounts. I'm a 100% indexer, like to keep the investments as simple as possible and our taxable account is in Vanguard.
So knowing that I need to sell equities what would you buy? Some options include buying Total Mkt Bond Index even though it's not tax effecient, possibly a tax exempt municipal fund which I'm not crazy about (also in Vanguard), or some other option I haven't thought of yet.