Hello, all:
First-time poster! I am currently maxing out my 403b and Roth with MURNX and VFIFX, respectively, both of which are currently running at a 90% stocks/10% bonds ratio.
I also have a taxable account which was 70% VTSAX and 30% VTBLX, but I kept reading that it's not good to have bond funds in taxable accounts (NY resident here), so I sold the VTBLX, and did TLH in the process.
My question is, should I put the proceeds of this sale all into VTSAX in my taxable account? I would like to at least keep the stocks/bonds ratios in my TDF intact throughout my portfolio, but, on the other hand, the TDF will automatically adjust to include more bonds over time, in which case, is there any point to including bonds in my taxable account at all?
Thanks for your help!
First-time poster! I am currently maxing out my 403b and Roth with MURNX and VFIFX, respectively, both of which are currently running at a 90% stocks/10% bonds ratio.
I also have a taxable account which was 70% VTSAX and 30% VTBLX, but I kept reading that it's not good to have bond funds in taxable accounts (NY resident here), so I sold the VTBLX, and did TLH in the process.
My question is, should I put the proceeds of this sale all into VTSAX in my taxable account? I would like to at least keep the stocks/bonds ratios in my TDF intact throughout my portfolio, but, on the other hand, the TDF will automatically adjust to include more bonds over time, in which case, is there any point to including bonds in my taxable account at all?
Thanks for your help!
Statistics: Posted by thatdarnfish — Fri Mar 29, 2024 8:29 am — Replies 2 — Views 192