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<p><i></i></p></div></div></div></div></header></div></body></html>";s:4:"text";s:12517:"My initial thought is to keep a majority of stocks in taxable account and majority of bonds inside 401k. The tax-deferred nature of IRAs is the reason investors are often advised to put bond funds in their IRA. More specifically, the Bogleheads investment philosophy promotes low-cost, do-it-yourself investing using nearly-free index funds (like those supplied by Vanguard) and simple asset allocation formulas (such as the forum’s home grown Bogleheads Three Funds formula, 34% in US stocks, 33% in international stocks and 33% in US bonds).  Tax exempt bonds typically offer lower yield because of the tax benefits. However, because of the preferential tax treatment of certain investment accounts, some people think that you […] There’s a significant debate in the financial community about where investors should put their bonds. ... My biggest criticism of the tax efficient placement of funds as proposed on Bogleheads for example is that current tax efficiency and future tax efficiency may be at odds with each other, especially for younger investors. These bonds generally pay a lower rate of interest than regular bonds, but if you’re in a high tax bracket, the after-tax rate is usually higher for the municipal bonds. Since the income produced by bond funds is taxable, investors who generate this income in taxable accounts can see a substantial hit to their after-tax … You keep the entire return on the bonds thanks to their tax-protected space and you pay minimal capital gains tax in the taxable account. The Total Bond Market Index fund's SEC yield is 1.09%, and that fund has an average duration of 6.25 years. Even bonds issued by the US treasury offer a tax break when held in a taxable account — you don’t have to pay state taxes on their interest. I would say taxable account is a perfect place for bonds, at least for the next 5 to 6 years. And finally I read your post about keeping bonds in a taxable account while the POF says bonds should be in the tax sheltered account. Because of this, I would argue your taxable accounts should be more conservative (more bonds) than qualified accounts because of the shorter time horizon. And finally, there is the distinction between the Roths and Tax deferred account type. VWITX invests in high-quality municipal bonds, which are tax-exempt at the federal level. I think both municipal bonds and I Bonds are both reasonable choices if you want to hold some of your bonds in taxable. We’ll cover more about tax loss harvesting in future posts, but for now you can read more about it in the bogleheads wiki . You can Tax-Loss Harvest: Basically, if a fund in your taxable account loses value, you can sell it and use the loss (up to $3000 per year) to reduce your taxable income. The only thing there seems to be consensus about is that the REITs should be in the 401K or tax sheltered account. 2 A.Tax exempt bonds should only be held in taxable account. Some people keep it simple and purchase their desired asset allocation in each of their accounts, including their taxable account, 401(k), HSA, 529, etc. Vanguard Intermediate-Term Tax-Exempt Fund : The income-generating nature of bond funds can produce unwanted taxes in a taxable account but bond funds like VWITX can be a smart move for investors with taxable accounts. 2 B. Making the Most of the Tax Exemption . Currently, the bond yields are abysmal.  For bonds, which are tax-exempt at the federal level the distinction between the Roths and tax account. And finally, there is the reason investors are often advised to put Bond in! Because of the tax benefits i bonds are both reasonable choices if you to. The tax benefits to 6 years invests in high-quality municipal bonds, which are tax-exempt the. 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