Your invested assets: taxable vs TIRA/401k vs Roths

[Alan]

Taxable: 51%
Tax Deferred: 35%
Tax Free: 14%

Will continue to move $$ from Tax Deferred to Roth in the coming years.

[steelhead]

Taxable accounts: 56%.
Tax deferred: 35%
Tax free: 9%.

[powerplay]

Taxable 50%
Tax Deferred 36%
Tax Free 14%

[sunsnow]

Taxable: 15%
Tax Deferred: 8%
Tax Free: 77%

After the market tanked, we did some major Roth conversions.

[TallTim]

Yup, fully agree. I hope never to fall into category (1) or (2) - that's why I'm here!

[ESRwannabe]

I'm about 40/60 (401k & Roth vs taxable) right now and that will shift even more to taxable as time goes on. This is not including social security and my pension.

[Chuckanut]

Taxable: 50%
Tax Deferred:40%
Tax Free: 10%

[jerome len]

Quote:

Originally Posted by Ready 16% tax free 16% tax deferred 68% taxable I'm surprised at the number of members with little or no tax free investments. Have municipal bond funds become undesirable lately?

I'm into tax free muni bonds, especially since you don't have to pay the 3.8% Obamacare tax on muni bonds. I've converted to a Roth but still have to pay dividend and State taxes on dividends. I'm lucky that I still have a substantial income that makes muni bonds make sense for me. Over all about 75% of my income is tax free or dividend taxed. I just hope they leave muni bonds alone in the future.

[Southern Geek]

Excluding Real Estate:

Taxable: 4.5%
Tax Deferred: 87%
Tax Free: 8.5%

All of the tax free is in munis. My tax bracket will be much lower in 2014 and forward, so I plan to start converting some of the tax deferred into Roths as well as re-evaluating if munis still appropriate investment with lower bracket.

[stepford]

Varied over the path of my career/life. More than 10 years from retirement I was consistently a bit stronger in taxable than tax deferred and was near 100% in equities. Typically around 60/40 taxable/tax-deferred. As I've neared retirement I've treated the taxable portion as near(er) term money and changed the AA in this component of my savings. As a result my taxable accounts are now (1-2 years from retirement) something like 35/65 equities/fixed income while my tax deferred accounts are still 80% equities.

Given the run up in equities over the last 4 years the balance has reversed a bit and I'm now about 48% taxable and 52% tax deferred. (and there's about 0.4% tax free from one year when my income was low enough to permit starting a Roth, but that hardly counts. Hope to do some major conversions from t-IRA to Roth after retirement).

[RockyMtn]

88% taxable
12% tax deferred

Not including real estate.

[Huston55]

37% taxable (including real estate)
52% tax deferred
11% tax free

Excludes pension income.

[Tortoise]

55% taxable
35% tIRA
10% Roth

[Major Tom]

63% Taxable, 28% TIRA, and 9% Roth.

If I had worked beyond the age of 45, a greater percentage would have been in the IRA's.

[Oleanmike]

55% Tax deferred
40% Taxable
5% Roth

[Dash man]

30% tax deferred
64% taxable (excluding real estate)
6% Roth

This doesn't include stock options that will vest later this year just before DW retires.

[Sue J]

0% tax deferred
38% tax free (Roth and HSA)
62% taxable

[gerntz]

Quote:

Originally Posted by ERD50 The cost basis of that taxable is important. $1M in taxable with a $1M cost basis is a whole lot different than $1M with a $500K costs basis (I realize this can't all be captured easily in a simple post question - just throwing it out there for thoughts).

It wouldn't be a whole lot different if you take the gains in the 0% tax bracket & if not that, spend other assets & keep these gains till death. That basis steps up for your heirs - at the amounts you're talking - & no tax.

[clifp]

54 Taxable
44 IRA
2% Roth

will be increasing the roth this year.

[Lsbcal]

2% taxable
6% tax deferred Ibonds (until 2030)
57% tIRA
35% Roth

Fat city until RMD time.
Taxes don't drive our portfolio strategy nowadays.