Hello,
Sorry I’m on my mobile. I am a married 29 year old who is employed in software development and owns a home. I max out my 401(k) and my Roth IRA every year for the last 5 years since I have been in the workforce.
401(k) = Target Date Fund 2055. Roth IRA = 60% VTI, 30% VXUS, 10% VB. Employee stock account.
I get around $12,000 per year in company stock and I always reinvest it. Since I have maxed out my retirement vehicles that I know of:
Should I buy stock within my taxable account or park it somewhere else? I could see me using this money in 15 years from now, but it is not necessarily apart of my retirement.
My plan was to keep stocks only in my Roth IRA since the money has already been taxed, I have the potential to see higher gains without adding bonds, correct? But it is more tax efficient to put bonds in either a 401(k) or a Roth IRA because they are tax advantages accounts as opposed to the Taxable Account?
Should I sell VB and buy BND in my Roth IRA instead? I know VTI includes Small Cap, but obviously the VB gives me more exposure.
Any advice is greatly appreciated.
Submitted January 08, 2018 at 02:27AM by whirlpo0l http://ift.tt/2qziYnE
