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

[MooreBonds]

69% Taxable
21% Tax-Deferred (w/ I-bonds)
7% Tax-Free
3% HSA (tax-free if for medical)

[lhamo]

Taxable: 16%
Tax deferred: 74%
Tax free: 10%

I should be plowing more into my Roth 403(b), and doing gradual rollovers to Roth accounts from a large rollover IRA I have, but we have a huge cash layout to make for kids schooling every year and a certain degree of job instability that makes me need a large cash reserve to keep from worrying about our finances. Once we make a more permanent decision about jobs/long term plan, I will probably start moving money into the Roth bucket on a regular basis until most of my retirement funds are there.

[gauss]

Taxable: 19%
Tax Deferred:54%
Tax Free: 27%

(Taxable would have been relatively higher if DW & I had NOT had access to 401k After-Tax contributions in our plans.)

-gauss

[Marc]

12% taxable (three ETFs)
83% tax deferred (403B/401A just crossed $2M plus wife's IRA and our non-deductible IRAs)
5% Roth

[Willers]

Taxable:49
Tax deferred:45
Tax Free (Roths and Munis): 6%

[wmc1000]

14% taxable (cash, brokerage)
13% tax deferred (401k + T-IRA)
0% tax free (ROTH IRA)
23% real estate
19% insurance cash value
31% joint annuity

[H2ODude]

43% Taxable
53% Tax Deferred
4% Non Tax

At 62, deferring SS til 70 and trying to move as much as can stomach from TIra to Roth.

[Sesq]

On a gross asset basis:

Taxable - 14%
Tax Def - 38%
Roth - 47%

Adjusted for future taxes (~20% cap gains incl state and medicare, ~30% for tax def, both could be lower if I am able to FIRE)

Taxable - 16%
Tax Def - 31%
Roth - 54%

10 years from FIRE if things go (very) well (age 41). Left out home equity and the 529 plans, though I plan to liquidate most of my taxable to wipe out the mortgage soon-ish.

[cranberryjoe]

63% Taxable
35% Tax-deferred
2% Tax-free

I expect to be doing Roth conversions for the next 10 years or so.

[scrabbler1]

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?

Based on these 3 broad categories:

58.7% Taxable (excluding muni bond funds)
6.7% Muni bond funds only
34.6% Tax-deferred (TIRA)

I suppose that muni bond funds are not very popular with us retirees, early or otherwise, because we are in low tax brackets so the tax benefit from buying these funds is small compared to when we were working and in higher tax brackets. I used to have a much higher muni bond fund holding when I was working.

Within the taxable accounts there are investments whose income mav be partially taxable and partially tax-free. For example, all or nearly all of my stock fund's income is tax-free at the federal level because I am in a low tax bracket. Some of my muni bond fund income is taxable at the state level (out-of-state bonds in a national bond fund, LTCG distributions) and some of it is fully taxable (STCG distributions).

[BigBob]

12.5% Taxable
47.0% IRA
40.5% Roth

Just rolled my taxables into a single account so will have a capital gains hit this year, but it should be locked and loaded.

Good post!

[lrak]

42% deferred
36% Roth
15% taxable (4% is muni bonds)
5% 529
2% HSA

We are 37 & 39. No mortgage. Spent 4% of our investable assets on a new car this month - all from taxable.

[TimSF]

50/50 Taxable/deferred.

[Al in Ohio]

8% taxable
72% tax deferred
20% tax free ( 15% Roth - remainder in tax free muni funds)

Does not incl $110 k in tax free 529 funds nor real estate property. (Non retirement).

[tulak]

64% tax deferred
9% tax free
22% taxable
5% edu (coverdell accounts)

I'm surprised my taxable is that high.

[Hermit]

2% taxable (Will use to supplement pension, etc until SS at 70)
96% tax defered
2% tax free (currently in 401k but will soon move to Roth IRA)

[iam21177]

84% taxable
13% tax deferred
4% tax free

[523HRR]

39% Taxable
56% Tax Deferred (Deferred Comp / 401K)
5% Tax Free (Roth/HSA)

[tricky88]

taxable: 55%
tax deferred: 24%
tax free: 21%

(was quite proud to see it added up to 100% on my first try)

Oops - had a trad. IRA and old rollover added in to tax free... Corrected.

[LakeTravis]

Taxable: 66%
Tax deferred: 33%
Cash: 1%