Your Financial Profile
Your Current Asset Allocation
Optimal Asset Location Strategy
Based on your financial profile, here's how to allocate your assets for maximum tax efficiency:
Taxable Accounts
Brokerage accounts, savings accounts, and other taxable investment vehiclesRecommended allocation
Best for:
- • Tax-efficient investments
- • Tax-loss harvesting
- • International stocks
- • Municipal bonds
Tax-Deferred Accounts
Traditional IRAs, 401(k)s, and other pre-tax retirement accountsRecommended allocation
Best for:
- • High-growth investments
- • Bonds and REITs
- • High-dividend stocks
- • Taxable bond funds
Tax-Free Accounts
Roth IRAs, Roth 401(k)s, and other post-tax retirement accountsRecommended allocation
Best for:
- • Highest-growth assets
- • Assets with high expected returns
- • Assets you'll hold longest
- • Emerging market stocks
Projected After-Tax Returns Comparison
How different allocation strategies affect your after-tax returns over time
Detailed Recommendations
Taxable Accounts Strategy
Prioritize tax-efficient investments like index funds, ETFs, and municipal bonds. Consider tax-loss harvesting opportunities. International stocks can be beneficial here due to foreign tax credits.
Tax-Deferred Accounts Strategy
Allocate income-generating assets like bonds and REITs to defer taxes on distributions. Also consider high-growth assets you plan to hold until retirement when you'll likely be in a lower tax bracket.
Tax-Free Accounts Strategy
Place your highest-growth potential assets here since all growth will be tax-free. Consider small-cap stocks, growth stocks, and emerging market investments that may experience significant appreciation.