I am a little more than four years from retirement, and my current allocation is 75% stock and 25% bonds. I would like to reallocate to 60% stock and 40% bonds. I have roughly equal amounts in my 401k and a post-tax Vanguard account. All of my bond funds are in the post-tax Vanguard account (i.e., the 401k is entirely equities). My question is should I rebalance by converting some of the stock mutual funds in the post-tax account to a total bond fund, which would result in paying capital gains tax, or should I do the conversion in the 401k, which would have no immediate tax consequences.? If it matters in the analysis, I have a few investment properties and an adequate cash reserve. Thanks!
Submitted May 11, 2019 at 01:54PM by TheGreatHarrisoni http://bit.ly/2JhsaWb
