I agree with you that preserving marital harmony is more important than investment efficiency/precision.American Funds are solid funds and i don’t have a huge problem with using them (not crazy about the fees, but they do seem to at least perform well to justify). I’m just not crazy about the tax efficiency of them (would probably be better in 401k or Roth account).
Now that i’m retired, i’m more sensitive to the tax efficiency aspect and while nobody can predict how the markets will perform, the wide swings in realized capital gains each year make it hard to effectively plan.
I’m working on a path to wind them down … but will take some time. The advisor my wife’s dad used is retiring soon … so i think i will have a better chance at cutting the cord.
It’s good that you might have some chance to pare down these funds soon.
Until the funds are fully unwound, consider doing an IRA withdrawal with 99% withholding in a future December if you find yourself a little short in estimated tax payments at that time. You’ll have a little higher tax bill because of taxes on the withdrawal, but the withholding will be considered “timely” by the IRS, even if it’s done on the last day of December.
Statistics: Posted by Stinky — Fri Dec 26, 2025 6:56 am — Replies 23 — Views 1541