Quote:
Originally Posted by humandraydel
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  |
Perhaps, but if so, you aren't the only one.
Savemachine, have I mentioned that you're doing great? Actually, I wish I could've done as well when I was 27.
Anyways, my suggestion is, within the next year or two, you'll want to slowly move all your tax-inefficient funds and investment into the tax-deferred accounts, and leave your most efficient funds for your taxable account. I would also look into perhaps even selling some of the funds into simplifying and streamlining all 3 accounts....
No need for major surgery... your 401k actually looks OK at first glance (but didn't calculate). For the Roth, if you really don't want to mess with your retirement accounts, see if you can't get your entire portfolio into a target retirement fund instead.... It wouldn't hurt to look into that for the 401k too, if you want.