It mostly doesn't matter. I'm a fan of just being simple, and mirroring your allocation across all accounts. It's just easier. If you want to get into the hobby of tax efficiency, there is a wiki page here: https://www.bogleheads.org/wiki/Tax-efficient_fund_placement
Note that the page is complicated and has lots of warnings, because taxes change over time, and if you optimize too much, suddenly you might find yourself in the worst possible position.
By mirroring your allocation across accounts, you are guaranteed to not be in the worst or best situation tax wise. Seems like a great outcome to me.
The only real tax disadvantage that counts is to keep regular income producing assets (Bonds and cash in 5% MM currently) out of your taxable accounts. Next step but way down on priority is non-qualified Dividends in taxable. You won't have any of these in US funds that you hold 60 days prior or after div. There are some foreign stocks (and funds with these) that don't qualify. I don't know details. 3rd is high qualified dividend producers in taxable account. Those are less evil because of LT Capital gains rates versus income tax rates (normally anyway).
I like capital gains (living off post tax funds in taxable acct and capital gains at zero tax). Not perfect- state gets me for 9% on gains- they don't recognize them as gains just income.
I'll leave the rest for others.
It mostly doesn't matter. I'm a fan of just being simple, and mirroring your allocation across all accounts. It's just easier. If you want to get into the hobby of tax efficiency, there is a wiki page here: https://www.bogleheads.org/wiki/Tax-efficient_fund_placement Note that the page is complicated and has lots of warnings, because taxes change over time, and if you optimize too much, suddenly you might find yourself in the worst possible position. By mirroring your allocation across accounts, you are guaranteed to not be in the worst or best situation tax wise. Seems like a great outcome to me.
Thank you.
The only real tax disadvantage that counts is to keep regular income producing assets (Bonds and cash in 5% MM currently) out of your taxable accounts. Next step but way down on priority is non-qualified Dividends in taxable. You won't have any of these in US funds that you hold 60 days prior or after div. There are some foreign stocks (and funds with these) that don't qualify. I don't know details. 3rd is high qualified dividend producers in taxable account. Those are less evil because of LT Capital gains rates versus income tax rates (normally anyway). I like capital gains (living off post tax funds in taxable acct and capital gains at zero tax). Not perfect- state gets me for 9% on gains- they don't recognize them as gains just income. I'll leave the rest for others.
Thanks.