The Basics of Asset Allocation

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When you put assets with a expected return preferentially into wroth accounts, that increases the risk of the portfolio on an after tax basis. You want at least one asset in each account to be found in at least one other of your accounts. Of course, it's not a free lunch. A expected return, higher risk because more of the after tax assets are actually in the riskier asset. Keep in mind the future growth of the various accounts as you place assets into your various accounts.

Today we answer your questions about asset allocation. We start off with some basic principles that everyone should understand and then dive into more specific questions. We discuss what glide path allocation is and how your asset allocation needs change as you age. We talk about asset allocation when using a defined benefit plan and also cover some pros and cons of treating your mortgage as a negative bond and how that affects your asset allocation. See our asset allocation rules here https://www.whitecoatinvestor.com/asset-allocation-rules/

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