What's in your after tax portfolio?

[kaneohe]

Quote:

Originally Posted by veremchuka after tax portfolio is taxable unless i'm missing something. no that would not be a good idea. bonds, small cap and reits are best held in tax deferred or a roth because they are tax inefficient. equities that don't generate a lot of cap gains such as the vg total stock market index is an example of what to hold in a taxable account.

Not sure I understand what everyone is listing. OP's title is something like what's in your aftertax portfolio?

I thought there was taxable (normal stuff not in a formal retirement plan),
tax-deferred (like TIRAs, 401Ks) , & tax free (Roths). Since tax-deferred are sometimes called pre-tax, I had assumed after tax meant Roths.

[rescueme]

We have very little in our respective after-tax (e.g. Roth) portfolios, and doubt that we will touch it on an ongoing basis - if at all, and hate to manage it as we do for our TIRA's.

We kept it simple. For us? Pssst - Wellesley ...

[Marc]

Quote:

Originally Posted by kaneohe Not sure I understand what everyone is listing. OP's title is something like what's in your aftertax portfolio? I thought there was taxable (normal stuff not in a formal retirement plan), tax-deferred (like TIRAs, 401Ks) , & tax free (Roths). Since tax-deferred are sometimes called pre-tax, I had assumed after tax meant Roths.

I took "after tax" to mean no tax deferred or tax free accounts; just investments in brokerage account earmarked for retirement.

Marc

[steelyman]

Quote:

Originally Posted by travelover STAR has a bond component. Wouldn't it be more tax efficient to just hold equities in the after tax and the bond portion in tax deferred?

You are correct and make a good point. I've held STAR for quite a long time - one of my earliest forays into investing. I am in the process of selling my shares over time; they will not be replaced. But I do have two other holdings in a taxable brokerage account (Oakmark Equity and Income and Permanent Portfolio) that I think raise the same issue. I'll have to think about how to handle them, as I do like both funds.

[unclemick]

The leftover dregs of early ER not yet sold widows and orphans, DRIPs, dividend stocks or whatever label one chooses. Note that prior to 59 1/2 my taxable were a lot of dividend stocks and index funds rode in IRA and Roth.

utes - electric: con ed
- water: aqua america
- gas: national fuel gas
big oil: chevron and exxon
telephone: AT&T, Verizon
pharma: eli lilly, glaxo
food: JM smucker, flowers
REIT WRE, UDR,
Stonemore LLC
financial: JP morgan

Needless to say I also owned a lot of dogs since 1993 - bought, sold and erased from memory.

heh heh heh - well not really.