Thank you. Please also see my post above.I'm not sure there are advantages to waiting until you're closer to retirement age. To my mind, the answer(s) about asset location will require you to know your overall portfolio asset allocation desires, like 60% stock / 40% bond, or whatever they happen to be....
I have a question regarding switching to bonds in the tax-deferred space. What are the advantages and disadvantages of waiting until you are closer to retirement before converting stocks to bonds in your tax-deferred space?
Further, you'll need to know how much (i.e. percentage) of your portfolio is held in each of the 3 main account types.
A. Taxable
B. Tax-Deferred - like 401k or Traditional IRA
C. Roth IRA or Roth 401k.
The 3 account type percentages should add to 100%.
Generally speaking, if you can fit your entire fixed income allocation into your tax-deferred account(s) with room to spare, then that's where it probably belongs.
Regards,
Statistics: Posted by Bogle-007 — Fri Sep 20, 2024 11:28 pm — Replies 23 — Views 1724