coalcracker
Dryer sheet wannabe
- Joined
- May 19, 2010
- Messages
- 23
My wife was recently fortunate enough to come into a large lump sum, and after some home improvements projects we intend to invest the remainder.
Adding together the new money and our existing retirement accounts and reshuffling, I plan to invest in a 70/30 equity/bond mix. The "problem" is that I don't have enough room in my tax exempt accounts to place all my bond holding to create this mix. My choices would be to slightly alter my mix to 75/25, which I'd rather not do, or to place some bonds in taxable accounts. Going forward with my future investments, I should have no problem keeping the 70/30 mix with all my bonds in tax exempt accounts.
My question is which bonds would you hold in a taxable account? Or should I think about slightly changing my initial asset allocation to keep all my bonds in tax advantaged accounts?
Adding together the new money and our existing retirement accounts and reshuffling, I plan to invest in a 70/30 equity/bond mix. The "problem" is that I don't have enough room in my tax exempt accounts to place all my bond holding to create this mix. My choices would be to slightly alter my mix to 75/25, which I'd rather not do, or to place some bonds in taxable accounts. Going forward with my future investments, I should have no problem keeping the 70/30 mix with all my bonds in tax exempt accounts.
My question is which bonds would you hold in a taxable account? Or should I think about slightly changing my initial asset allocation to keep all my bonds in tax advantaged accounts?