Quote:
Originally Posted by tophcfa
Why not, asset allocation is by far the most important decision. Select your allocation mix and buy low cost index funds through Vanguard and/or Fidelity to achieve your allocation objectives and you’re good to go golfing.
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because your retirement portfolio asset allocation shouldn't be 100% equities. .
and VOO is just 100% beta (the market).
The answer to my question now is, and i have been searching, albeit distracted with my parent's 60 year old house sale:
Given the following three different tax scenarios:
* IRA,
* ROTH,
* Non Qualified, taxable account
What's the best portfolio attributes and proportion for each account to minimize future taxes and maximize gains, given all taxable implications?
I know one can create a monte carlo linear optimization model with random shocks, both income and spending random hiccups, just haven't had time to set it up and run the various scenarios. . and I am assuming that most investment mgmt houses won't publish that secret, but you have to pay for it with managed funds. .
good luck to us. .