Quote:
Originally Posted by noppenbd
I agree. That's why I suggested he reevaluate in 5 years and see how the taxes are shaping up. TR 4045 is 90% equities right now and should be fairly tax efficient for the next 5-10 years, and should be an ok choice for this amount of money. By the time he gets there, he should have enough to meet fund minimums and diversify more specifically (rather than the plain vanilla TR fund).
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Using TR2045 for 5-10 years certainly isn't a terrible thing to do. But even in 5-10 years there may be some moderate capital gains, and selling to diversify will trigger a taxable event. I know, I'm picking nits, but it's something to consider. Or maybe I just hate paying taxes THAT much
