White Coat Investor Podcast

WCI #311: Asset Location

13 snips
Apr 20, 2023
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INSIGHT

Capital Gains Suit Taxable Accounts

  • Capital gain assets like total stock market funds benefit from sitting in taxable accounts if you avoid paying gains.
  • Strategies like donating appreciated shares or leaving assets to heirs increase tax efficiency.
INSIGHT

Volatility Benefits Taxable Accounts

  • Volatile investments are better suited for taxable accounts since they provide tax-loss harvesting opportunities.
  • This strategy can reduce tax burdens by offsetting gains with losses.
INSIGHT

Roth Growth Means More Risk

  • Putting high expected return assets in Roth accounts means taking on more investment risk.
  • Tax deferred accounts can be viewed as partly your money and partly the government's.
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