Asset allocation taxable account

Asset allocation taxable account. I have a target allocation for retirement, which is 60% domestic equity, 25% international equity, and 15% bond. The benefit of this approach is that any rebalancing trades are tax-exempt at the time they are made. Investors should use their spending plans for their taxable assets to help identify an appropriate asset allocation. See full list on investopedia. Jun 8, 2022 · Introduction – Creating a Tax-Efficient ETF Portfolio. Good Evening All, I recently graduated from residency and started my attending job. Question about asset allocation: A. Roth Jun 17, 2020 · An optimal asset location strategy puts interest-bearing investments (fully taxable in the year earned) into a tax-deferred or tax-free account. Mar 26, 2024 · A taxable account is one where the normal IRS tax rules apply. Once you’ve registered and logged into the site, add the name of each ETF you hold in your non-registered accounts. Tax-efficient investments, like index funds, are great for taxable accounts. VUG – Vanguard Growth ETF. Option B (bonds in retirement) Rebalance IRA to 100% bonds (VWITX) Keep buying California munis and tax-exempt bonds (VWITX) in the taxable up to 30% bonds Feb 19, 2021 · If you're holding a sleeve of cash as a component of your retirement portfolio's long-term strategic asset-allocation plan, it's fine to hold it within the context of your tax-sheltered account May 8, 2023 · In general, holding tax-efficient investments in taxable accounts and less tax-efficient investments in tax-advantaged accounts should have potential to add value over time. Balanced Portfolio: 40% to 60% in stocks. We use a Monte Carlo simulation model to calculate the expected returns of 10,000 portfolios for each risk profile. May 9, 2024 · Determining your asset allocation (% stocks / % bonds), which sets your portfolio's level of acceptable risk, is the single most influential decision you can make on your portfolio's performance. Compared your allocation against this typical BH approach and ask why yours is better. Our asset allocation tool shows you suggested portfolio breakdowns based on the risk profile that you choose. Your ideal asset allocation is the mix of investments, from most aggressive to safest, that will earn the total return over time that you need. But Aug 8, 2023 · This strategy, known as tax-loss harvesting, can offset capital gains and reduce your taxable income. Feb 13, 2024 · If you are looking to access dividend-paying Canadian companies in a taxable account but don’t necessarily need an income stream from them, HXCN is a great ETF to consider. Consider a single portfolio with an overall asset allocation. Thus, a key goal is to reduce the tax drag of year-to-year capital gain and income distributions. Any thoughts on how to maintain this allocation across the three accounts? Feb 6, 2024 · Asset allocation divides an investment portfolio among different asset categories such as stocks, bonds, and cash. Start with tax-advantaged accounts. Mar 11, 2023 · Let's look at some examples of asset allocation models by age. 85 + $46K = $216K tax adjusted bond value. In this scenario, we’ll take the traditional approach of holding equities in the taxable account first, like we did in Option #1. We show a strong preference for holding taxable bonds in the tax-deferred account and equity in the taxable account, reflecting the higher tax burden on taxable bonds relative to equity. Hold the tax efficient stock funds in the taxable account and fixed income in the tax advantaged accounts. It’s easy to identify a lifecycle fund because its name will likely refer to its target date. With bond yields so low and principal nearly sure to decrease it is Jun 12, 2023 · We can divide asset allocation models into three broad groups: Income Portfolio: 70% to 100% in bonds. If stocks decline 40%, the first investor will see his taxable account decline 40%. May 20, 2024 · There are several situations where you may want to supplement your retirement savings with a taxable general investing account. Tips When Rebalancing in a Taxable Account. The asset location approach placed bonds in the tax-deferred account first, tax-free account second, and taxable account third as needed to achieve the target asset mix. Asset allocation inside and outside tax-deferred accounts is quite similar, with about 70% of assets in each location invested in equity securities. Multi-asset funds. A lot of folks start by 'mirroring' allocations across accounts (e. A taxable brokerage account that allows you to buy and sell a wide range of securities, such as stocks, bonds, mutual funds and exchange-traded funds (ETFs). This is the same post-tax asset allocation as in Option #1 (a), which resulted in a post-tax portfolio value after ten years of $304,228. Sep 29, 2020 · Conversely, if she held the U. You may have to choose among IRA vs. ) Determine in IRS Form 8594 is the “Asset Acquisition Statement Under Section 1060. Oct 27, 2011 · Investors spend a great deal of time figuring out the proper asset allocation between stocks, bonds, real estate, and other asset classes. . I have three accounts in this bucket, one taxable, one Rollover IRA, and one Roth IRA. Unlike contributions to a traditional IRA or a 401 (k), contributions to a taxable brokerage account are made with after-tax dollars, meaning that investors do Apr 1, 2024 · Contribute to Trad 457B and put the tax savings into the taxable account. Stock Market ETF. Your target bond allocation is 30%, but you've become overweighted in bonds and you need to sell some of them in order to buy stocks and get back into balance. Proper allocation of purchase prices can generate significant tax savings or cost, both during the acquisition year and in the future. Also, taxes play a role. To a small extent, this is because the after-tax value of the bonds is greater when they can grow tax-deferred inside the IRA 100% of the tax-deferred account to taxable bonds in this case, the proportion of the taxable account allocated to equity can exceed 100% (i. When a business changes hands, the IRS uses this form to keep tabs on not only the full purchase price but also what’s happening with the assets that belong to the business. 3. employer plan and/or traditional vs. We will assume a 20% effective tax rate during retirement. Dec 2, 2019 · By Dr. S. Dec 12, 2017 · Another plus is that there are no limits to how much you can invest in a taxable account (and you don't need to have earned income to contribute). Hold in Either Account Type: Lower-Returning Assets Apr 22, 2015 · As the results reveal, there is a significant benefit to holding bonds in the IRA and stocks in the taxable account, with a final wealth level that is almost $1. For example, target date retirement fund 2040 to get to your desired asset allocation. Taxable brokerage account (Schwab): 100% VTI (Vanguard Total Stock Market ETF). 99%. Jun 6, 2016 · Principle # 6 Save regularly but invest less frequently. When sensible, execute trades to generate tax losses that can then be used to offset any capital gains generated by rebalancing trades. With the Aggressive portfolio, for example, the assumption is Oct 8, 2021 · Step 2: Add a New ETF. There are a few things you can do to access your tax deferred accounts early. This fits a young investor with a low risk tolerance and a middle-aged investor with a moderate risk tolerance. The table below provides 2020 returns for these portfolios. To do this, click on “New Security” at the top of the page. ” Consider a Qualified Charitable Contribution Aug 24, 2023 · 1. I've invested my ROTH into what I believe will be high volatility and higher return (VTI and VXUS), but for my brokerage account I was looking into investing a standard three fund portfolio. Things can be simpler, cheaper, and more tax-efficient if you treat everything as one big portfolio. Feb 5, 2020 · But again, if you account for the asset allocation drift, the conventional wisdom prevails: Case 1 calls for stocks in the taxable account! Conclusion I almost feel sorry for writing such a long post to establish the really trivial insight that no asset location rule of thumb, neither the conventional wisdom (“stocks in taxable!”) nor Nov 18, 2022 · Asset location refers to where you strategically keep the money you’re investing — between tax-advantaged, tax-free and taxable accounts — in order to maximize after-tax returns. In a taxable account, you pay taxes on interest, dividends, and capital gains, in the year in which you earn them. Through my attending job I'll have a tax-deferred 403b, non-governmental 457b, taxable account at Vanguard, Roth IRA, and Jan 4, 2022 · Common advice for asset allocation to increase tax efficiency is to: Put bonds in tax-advantaged accounts (401k, Roth IRA, etc) Put stocks (e. In the taxable account I am putting my lower yielding Nov 7, 2023 · My simple, self-managed, low-cost, tax-efficient, basically-3-fund portfolio is held mainly at Schwab. Jan 1, 2001 · Reichenstein (2007) shows that asset allocation decisions should be based on the after-tax value of one's investments; for example, converting the funds in tax-deferred accounts into after-tax Aug 7, 2018 · However, asset location generally matters less as your taxable accounts grow (as the majority of your equity allocation will need to be held in the relatively larger taxable account anyways). Aug 23, 2001 · We investigate optimal intertemporal asset allocation and location decisions for investors making taxable and tax-deferred investments. Dahle, WCI Founder. James M. Aug 21, 2018 · Tax efficient asset placement, also known as asset location (as opposed to asset allocation), is the practice of figuring out which investments should be held in which account based on each investment’s tax efficiency. 1M greater than the alternative asset location strategy. Contributions Aren’t Deductible. Growth Portfolio: 70% to 100% in stocks. Aug 17, 2023 · Tax deferred accounts are traditional retirement accounts that are funded with pretax dollars. For example, if you have 60% of your The managers of the fund then make all decisions about asset allocation, diversification, and rebalancing. As of 2023, the contribution limit for an individual account is $3,850 (up from $3,650 in 2022) or $7,750 for a family account ($7,300 in 2022). In this scenario, we’ll hold a pre- and post-tax asset allocation of 50/50 across both accounts. This gives us a pre-tax asset allocation of 45% equities and 55% fixed income, which is more conservative than the 50/50 post-tax asset mix. To understand how asset location works, it's important to know how different accounts are treated for tax purposes. 21%. For example, a UMA might hold: A separately managed account or SMA holds several investments owned by one investor. Asset location is determining which of your assets to place into tax-free (), triple tax-free (), tax-deferred, and taxable accounts. Small International Stocks While not as tax-efficient as the total market funds, this is still a pretty tax-efficient asset class so long as you are using an index fund or ETF to invest in it. B) You should be 100% stock index fund in your taxable account. ”. Checking accounts, savings accounts, money market accounts, and brokerage accounts are all taxable accounts. VTEB – Vanguard Tax-Exempt Bond ETF. Apr 28, 2024 · Retirement accounts offer either an immediate tax deduction and tax-deferred growth (traditional) or life-long tax-free growth (Roth), plus asset protection and estate planning benefits. Rule of 55, etc. Mar 13, 2024 · Asset allocation is the mix of investments you own such as stocks, bonds, funds, real estate and cash. For most investors, the optimal asset location policy is robust to the Jan 1, 2021 · Vanguard Total Stock Market Index Fund: 20. Using [age minus 20] for bond allocation, a starting age of 20, and a retirement age of 60, a one-size-fits-most allocation would be 80/20. It puts Canadian stocks and preferred shares in a non-registered or taxable account. The asset allocation decision is a personal one. Jan 17, 2024 · Here are some of the key categories to keep out of your taxable accounts. C) Change your investment in your tax advantaged account to be more conservative. May 7, 2024 · Domestic/international looks at how you might split your equity allocation between US and ex-US stocks. Asset Location. May 30, 2018 · Strategic asset allocation across tax-sheltered and taxable accounts can help reduce taxes. And since bonds can trigger taxable interest, it might make sense to load up more on tax-friendly assets like stocks in this account. 44% fixed income . These accounts have annual contribution limits which are lost if not used. Some accounts don't have that AA (e. For the IRS, this form serves as the referee in the game of buying or selling a business. Jun 29, 2018 · Option #3 (c): Same asset allocation across both accounts Pre- and post-tax asset allocation: 50% equities / 50% fixed income . In other words, he has accidentally under-allocated bonds by a little more than 6%. Your workplace may not offer a retirement plan at all. However, there are other factors to consider, including: Periodically rebalancing your portfolio to maintain your target asset allocation. 1. A version of this report was published in the March 2018 issue of ETFInvestor Jan 29, 2021 · In my case, my taxable account is bigger than my allocation to both of these asset classes so I can just stick both of them in there. 3% in foreign withholding taxes in a TFSA account, based on a 2% dividend yield × 15% US withholding tax. stock fund in the 401 (k) and the million dollars in international stocks in a taxable brokerage account, she’d owe $3,957. It has been estimated that doing this properly can boost returns by as much as 0. Tax-deferred accounts are usually referred to as "Traditional" (as in "traditional 401k/IRA") and tax-free gain accounts are usually called Roth accounts (Roth 401k/IRA). May 2, 2017 · While my retirement accounts currently have an asset allocation of 80/20 in a three-fund portfolio (US equity/international equity/bonds), I am considering my taxable account to be an entirely separate entity (given the difference in time horizons) and am aiming for a more conservative allocation. 3% in bonds. Unlike the money you save in an IRA or a health savings account, your contributions to a taxable investment account can’t be deducted at tax time. The idea is that when you have both tax advantaged accounts (such as a 401k, a traditional IRA, or a Roth IRA) and regular Mar 14, 2011 · Tax-managed funds and traditional broad-market stock-index funds also tend to do a good job of keeping the lid on distributing capital gains. This account is managed on behalf of the investor, based on a single asset allocation strategy. Take the example of a portfolio with $100,000 in the TFSA, $100,000 in the RRSP and $1,000,000 in the taxable account. Asset Allocation and Rebalancing. Risk and return are directly related; that is, a higher expected return will need a higher level of risk. As it turns out, this investor has $30,000 out of $90,000, or 33. Asset Allocation in Taxable Accounts I've been reading The Bogleheads Guide to Investing, and it talks a lot about how to avoid taxing on your investments. stocks) go into a tax-deferred account. KlangFool. We are mid-to-late 30s, aiming for FIRE by mid 50s. Taxable Apr 25, 2023 · A taxable investment account is is a great way to buy and sell assets like stocks, bonds and exchange-traded funds. And it will all hinge on how much you make vs. In past shows, we have often covered the topic of proper asset allocation when investing, but today’s podcast focuses on the importance of asset location. One place to begin is rebalancing your clients' tax-advantaged accounts. If you’re in a higher income bracket, it’s a good idea to completely max out all of your tax-advantaged options before investing through a brokerage account. Diversification across post-tax, pre-tax, and taxable accounts is a common scenario, but when it comes to allocation, lot of folks start by 'mirroring' allocations across accounts (e. You can read up on the tax treatment of Canadian dividend paying stocks here. Paid off student loans over last 3 years since becoming attending. First, a bit of context. Your asset allocation should reflect your unique ability, willingness . Though the initial tax savings of pre-tax accounts often make them worthwhile during your working years, it’s essential to invest in an after-tax account. Feb 16, 2011 · Whereas your tax-advantaged accounts and certainly your Roth accounts would tend to come last in the pecking order, and the key reason is that the tax benefits are really quite generous and so you Aug 2, 2022 · Any gains on stocks (or other assets in taxable accounts, for that matter) held for more than one year get a preferential tax rate of 0%, 15% or 20%, depending on your taxable income and filing Oct 11, 2023 · These portfolios are designed for investors’ taxable (non-retirement accounts). These include retirement plans such as 401(k)s, 403(b)s and IRAs. 5 early retirement target date in 2025 or 6 unless something very good or bad happens aggressive preferred asset allocation over all accounts of 60/40 to 70/30 to offset longevity risk. The net worth of the 401k becomes (1- effective tax rate in retirement) × (401k account balance). The mix includes stocks, bonds, and Aug 5, 2023 · And, your tax-deferred account, Roth, taxable is 20%, 20%, 60%. e. 5% invested through Ascensus Company matches 100% up to 3% of income, 50% up to 5% of income Allocation listed below: Dec 12, 2023 · For example, if you have Vanguard 500 Index Fund with a large amount of unrealized capital gains, and your asset allocation calls for Vanguard Total Stock Market Index Fund for domestic stocks, you may want to take dividends from Vanguard 500 Index Fund in cash to avoid investing more money into Vanguard 500 Index Fund. Here are four: Subscribe Now. You can read about them in the wiki. Vanguard Intermediate Tax-Exempt Bond Fund: 5. , S&P 500 ETF) in regular brokerage accounts The May 12, 2022 · Here are six tactics for rebalancing a portfolio in a more tax-efficient way: 1. , a levered equity position) at high levels of tax-deferred wealth. The allocation that works best for you changes at different times in your life, depending on how long you have to invest and your ability to tolerate risk. Your asset allocation should match your risk tolerance. 09-28-2020, 07:23 PM. Apr 3, 2014 · Tax-favored account capacity: you may not have enough room in your non-taxable or tax-deferred accounts to accommodate enough bonds to have the overall asset allocation that you desire. Roth IRA (Schwab): 100% SCHB (Schwab US Broad Market ETF). 28%. Your most efficient allocation is Bond in tax-deferred -> 20%, Bond in Roth, 20%, Stock in the taxable, 60%. automatically selling any loser and then buying a similar asset (to keep the portfolio allocation Jul 20, 2018 · Investors pay tax on the annual dividend income in a taxable account. That’s not the same as asset allocation, which deals more with what types of investments you put your money into. After 10 Sep 1, 2019 · 1. This means focusing not only on diversification across asset classes in your portfolio, but also tax diversification within all account types. 07%. g. Let’s do another example, but this time but We can calculate the after-tax present value of the 401k account by deducting the present value of the tax paid in retirement. holding 70/30 stocks bonds in taxable, and in their IRA and in their 401(k)), which is suboptimal. That may be true to some degree, but some investors Feb 6, 2024 · Here are the steps to take to customize your own retirement asset-allocation framework. Emotional definitions of risk should be based on how you perceive the risk. Taxable accounts have none of the special tax rules that Aug 31, 2023 · A different investor has the same overall asset allocation, but each account is split equally between stocks and bonds. Deposit cash, purchase Apr 19, 2024 · Key Takeaways. In this next example, we’ve assumed that our investor is targeting a 55. In effect, his actual asset allocation is something more along the lines of: $20,000 in stock funds in his taxable account. Assuming that bonds have a 0% change, the second investor will see each account decline by 20%. Communicate with the appraiser or valuation expert to provide information and ensure the proper allocation of the transaction value. Maximum expense ratio for any single fund/ETF in the portfolio is 0. Alternatively, capital gains generated in standard investment accounts are taxable by the Jul 3, 2018 · Post-tax asset allocation: 50% equities / 50% fixed income. Rebalance as needed in the tax advantaged accounts. Here are some examples, including (A) a rather A tax-advantaged account is one that receives special tax treatment, either through tax deferral or tax-free gains (after you contribute with money that has already been taxed). Alex Bryan May 30, 2018. The Best ETFs for Taxable Accounts. According to Vanguard's Total World Stock Index Fund, a market-capitalization-weighted index designed to measure the market performance of large-, mid-, and small-capitalization stocks of companies located around the world, as of mid-2023 around 40% of the world's stock investment Feb 10, 2023 · In simple terms, a unified managed account combines several different investments into a single account. We are looking to open our first taxable account, and will do so at Vanguard. When investors are prohibited from borrowing, the holding of equity in the taxable account is capped at 100%. 56% equities / 44. Vanguard Total International Stock Index Fund: 11. Taxable will be the last bucket to fill. There are 3 main types of accounts: Taxable, which includes traditional brokerage accounts that can own almost any type of security or ETF; tax-deferred, which includes traditional 401(k)s, 403(b)s, and IRAs; and accounts that may be tax-exempt and subject Mar 4, 2020 · 3 Tips For Proper Allocation Of Purchase Prices For Tax Purposes. Also going to open a backdoor roth IRA for both of us at vanguard this year. But if you are over 55, you can contribute an additional $1,000 to your health savings account. The funds in the account grow tax-free. Below are four portfolios with allocations devoting 30% of the stock allocation to international stocks (click images to enlarge). spend. Because he won’t get to keep all $40,000 from the 401 (k). Taxable can be important if you're planning to FIRE, and if Asset allocation involves dividing your investments among different assets, such as stocks, bonds, and cash. 0. Feb 14, 2021 · Roth is hard to fill at the same rate as tax deferred (again generalizing). ITOT – iShares Core S&P Total U. Foreign dividend paying stocks (particularly U. It’s no surprise that the ending post-tax portfolio value of $291,441 is somewhere between the last two outcomes. Asset Allocation Between Pre-Tax and After-Tax Accounts. Allocate the rest at a 2-1 ratio between domestic and international stock. You can just stick the money into a high-yield savings account and invest once a month, or even once a quarter. If you are retired and Sep 28, 2020 · Account Asset Allocation. This is compared to losing 0. Dec 12, 2022 · “Then, you can deposit the funds in your taxable account, buying assets that help restore that portfolio’s proper asset allocation. For long Home | White Coat Investor Apr 7, 2023 · Updated on April 7, 2023. Feb 6, 2016 · Desired Asset allocation: 70% stocks / 30% bonds Desired International allocation: 30% of stocks Current retirement assets Taxable 36% cash Recently added cash to Vanguard non-retirement account, allocation undetermined His 401k 23. 75% a year can make a big difference over many years, enough so that many investors prefer to manage their investments themselves As the $500k vests over the next few quarters, buy enough VBTLX to get up to 30% bonds in JUST the taxable account. (Note that this exercise will be less useful if retirement is many years in the future. From there, you will be brought to a separate screen where you can input the ETF name and ticker symbol. You can open one at an online broker or a robo-advisor. But remember, your comfort with risk is super important. You don’t have access to a 401 (k) plan at work. Dec 19, 2023 · Why location matters. If you do not plan to use those, you should pay attention in pre-retirement to your mix of accounts. com Selling these assets within a tax-advantaged account instead won't have any tax impact. For example, imagine your retirement savings consist of a taxable account and a traditional IRA . least some assets in a tax-deferred account, and more than 11 million households had at least US$25,000 in both a taxable and a tax-deferred account. IXUS – iShares Core MSCI Total International Stock ETF. Oct 29, 2023 · The purpose of asset allocation is to design a portfolio with the desired level of expected return and risk. Only consider taxes after you have configured your total portfolio. For us, nearly 80% of our financial assets are in taxable, with the vast majority of the rest in tax deferred. Some recommend portfolio asset allocation by age, under the assumption that the younger you are, the more aggressive you should be with your retirement asset allocation. High-dividend-paying equities and dividend I tax adjust my 401K by 15% so in your case I would say you had a $2. Actively managed equity funds. This avoids immediate tax consequences that may be Mar 29, 2023 · How to Use Them. The value of the 401k on an after-tax basis is now $400,000. Asset allocation is the process of dividing your investment among various asset classes, such as stocks, bonds, real estate, and more. Returns and mathematical definitions of risk should be based on after-tax values, since the after-tax value is what you will be able to spend. 17 M tax adjusted portfolio and required $217K tax adjusted in bonds for 90/10, and subsequently have the entire 401K plus $46K of taxable in a bond fund. Mar 5, 2024 · Your investment identity can influence the way you allocate your portfolio among stocks, bonds, cash, and other investments. We use historical returns and standard deviations of stocks, bonds and cash to simulate what your return may be over time. ). Traditional IRAs have an annual contribution Oct 12, 2021 · If that investment generates capital gains, then the earnings will be higher at $925 from paying less tax: $1,000 x 50% capital gains x 15% = $75 tax. Keeping the international allocation in the taxable brokerage account where she can “take advantage” of the Foreign Tax Credit costs her $1,078 a year in this scenario. IVV – iShares Core S&P 500 ETF. 75% per year. Exert more care when rebalancing in taxable accounts. If you're cool with more risk in your taxable account May 1, 2019 · General rules of thumb on that go like this: put the most tax-efficient assets in the taxable account (because of the Canadian dividend tax credit and capital gains treatment) AND put the least tax-efficient assets in your registered accounts, more specifically your RRSP. 2. My 401k and HSA are in target date funds. For example, you might see lifecycle funds with names like “Portfolio 2015,” “Retirement Fund 2030,” or “Target 2045. $200K*. Just because you pull money out of your pay every two weeks to invest, doesn't mean you have to buy funds with it. We are maxing out both wife and mine 401, HSA. 44% fixed income post-tax asset allocation. Any thoughts on how to maintain this allocation across the three accounts? all or most of the taxable account is a total market index fund 15+ years of living on taxable account before age 59. Jun 11, 2018 · Post-tax asset allocation: 55. When you need to draw from from the taxable account, you sell stock in a tax efficient manner and rebalance in the tax It probably depends on your asset allocation and the size of your portfolio (both overall, and in terms of what % of portfolio your 401 (k), IRA, and taxable account are). retirement savings. Nov 22, 2023 · A 50% drop from a 600k taxable account gets a 300k taxable account and 40k does not empty it. To keep it simple at this time Feb 19, 2016 · Using a taxable account in retirement allows you to plan more effectively for your tax bills. 56% equity, 44. Taxable bonds and bond funds. Assuming a 50% marginal tax rate on a 2% foreign dividend yield in a taxable account, you would lose 1% per year in taxes. Aug 21, 2023 · In this example, the initial $1,000,000 portfolio included $400,000 in a tax-deferred account, $200,000 in a tax-free account, and $400,000 in a taxable account. If you're just starting out I might just stick with a target date fund in the 401 (k), Total World in Roth IRA, and Total Stock+Total International Stock in taxable. Avoid generating rebalancing trades by directing new money into underweighted asset classes. bank checking/savings, the 529, smaller accounts with balanced funds, a seldomly used taxable trading account, etc. Sep 23, 2023 · Most accounts are currently configured as a 3 fund portfolio using mutual funds with a target AA of 42% US Equities, 18% For Eq, 35% US Bonds, and 5% Cash. I need some assistance with deciding on which assets to place in which investment accounts . Mar 30, 2023 · A key part of making the most of an HSA is to contribute as much as possible. tz ke az ip go fi zo yx ax fb