Turnover in the target fund is not relevant since it is in Roth IRA. Funds that contain bonds turn over. That's one reason you don't want them in taxable.I have a question on my Roth IRA. I have about $50K in it, split between SCHG ($42K) and SWYOX ($8K- TDF 2065 Index). The SWYOX has a 20% turnover ratio. this is making me consider rebalancing my Roth IRA and doing a standard 60/30/10 of VTI, VXUS, and BND.
Putting VTI and VUXS in your Roth IRA will create wash sales if you sell those funds in taxable at a loss. This is not illegal, but you must deal with it on your taxes. If you want to avoid that, don't hold the same fund in your other accounts that you hold in taxable.
If you want specific advice about what to do, post your portfolio as shown in the link at the bottom of this message.
Statistics: Posted by retiredjg — Sat Aug 24, 2024 6:55 pm — Replies 3 — Views 187