I should do the portfolio questionnaire, but I know time is valuable and I think this is super simple.
I am in the 35% marginal tax rate, and given that target stocks (vti, US Total Stock) for taxable, and bonds funds for tax-deferred (as per mostly your guidance here, thank you!). If I get a bonus of 1K or 10K, and invest it immediately, is it good practice to, at that moment, rebalance the full AA, moving more tax-deferred stocks to bonds (which I might run out of eventually)?
Another related question, for the taxable holdings "diversification" (action quotes due to the long conversations here on the topic) does it make sense to balance between US/Intl? Or is that over engineering? The etfs are vti (US Total Stock) and vea (FTSE Developed Intl) in taxable, and currently 89%/11%. My stock AA is 65/35. Should I try to match my Stock AA roughly? I can overthink anything.
I am in the 35% marginal tax rate, and given that target stocks (vti, US Total Stock) for taxable, and bonds funds for tax-deferred (as per mostly your guidance here, thank you!). If I get a bonus of 1K or 10K, and invest it immediately, is it good practice to, at that moment, rebalance the full AA, moving more tax-deferred stocks to bonds (which I might run out of eventually)?
Another related question, for the taxable holdings "diversification" (action quotes due to the long conversations here on the topic) does it make sense to balance between US/Intl? Or is that over engineering? The etfs are vti (US Total Stock) and vea (FTSE Developed Intl) in taxable, and currently 89%/11%. My stock AA is 65/35. Should I try to match my Stock AA roughly? I can overthink anything.
Statistics: Posted by WhenDoISell — Thu Jun 06, 2024 3:33 pm — Replies 2 — Views 149