Ignoring 401k and HSA, let's say I have a Trad IRA and Roth IRA for retirement.
Let's also say I want an overall 80/20 portfolio.
Given that I have to pay taxes on the gains in the Trad shouldn't I limit my growth assets there and keep most of my growth in my Roth?
So my Roth might be 100/0 whiley Trad is like 70/30. Wouldn't this be better for end ofife tax issues?
I've only been investing about 10 years and my portfolio is 80/20 maybe closer to like 87/13 right now. I have an advisor.
He didn't explain well why I'm not 100/0. Like he kept saying bonds are stability and ballast for down markets and income generation for up markets, but they're bond funds and they're mostly down compared to equities.
I'm in my late 30s, so what is the purpose of bonds?
I could understand if I was 60 or 70, but even then CDs or dividend ETFs feels better for income.
What am I missing?
Hypothetically let's say you had a brokerage account with $100k that probably has some substantial gains.
You earn $100k per year but your expenses are also $100k, meaning you're not contributing to 401(k), HSA, or IRA.
Would it be wise to max all 3 and sell from the brokerage account to fund everyday expenses until it was depleted?
Basically tax arbitraging your brokerage to tax deferred or tax sheltered accounts.
Does anyone do this?
I'm building my first crawler course with my son and daughter. We have an old table that is 4ft x 8ft. I originally ordered a 1/12 rc truck, but it was huge.
I need to return it, but I'm not sure if I should go with 1/24 or 1/36.
Are there any size guidelines based on course size?