I want to establish the following asset allocation:
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:
12% Roth IRA
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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- posted 5 years ago