Personal Investments • Seeking Help on Conundrum with Changing My Asset Allocation (Tax-Deferred Space is Filled Up)

I am in the 35% marginal bracket and 20% (+3.8% NII) long-term cap gain bracket, and will be for awhile, so it stings to realize gains now.

I would not sting myself that much, in the service of going from 70/30 to 60/40. Put the bonds in Roth if you can't be happy without the AA change. Maybe in the future you will retire and have some lower income years, when you can take the taxable gains with more comfort, and change the Roth back to stocks.

Statistics: Posted by WeakOldGuy — Sun Dec 14, 2025 1:30 am — Replies 24 — Views 1706