15% domestic large cap stock etf 15% domestic small cap stock etf 10% international large cap stock etf 10% international small cap stock etf 10% emerging markets etf 10% real estate investment trust etf 30% intermediate bond etf
I can substitute mutual funds for any of the etfs, if desired.
I want to distribute these assets among the following account types in a way that will be tax efficient:
65% IRA 12% Roth IRA 23% non-qualified
I've been thinking of putting all of the domestic and international large cap, the real estate, and the bonds in the IRA; 12% of the domestic small cap in the Roth IRA; and the remaining 3% of the domestic small cap, the international small cap, and the emerging markets in the non-qualified account. Is there a more tax-efficient placement?
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