While target date funds can be a helpful starting point for determining an AA, they can throw off a lot of capital gains unexpectedly in any given year. For this reason, in a taxable account it’s usually better to hold the underlying 3-4 funds. Save the TDF for your tax-advantaged account(s).I have already sold off all the stocks with losses in my taxable account. Now I'm starting to sell off stocks with equal gains. I did have $21,000 sitting in my taxable acct thanks to 3 stocks being bought out & I put part of that in a Schwab target date fund plus the Vanguard S&P 500 Index & Total Stock market index. I plan to funnel more money into those as I sell off stocks.Have you already harvested your losses in the individual stocks?I have no idea which is why I picked the Target date fund. I'm open to any advice. Most of the money in stocks has not been freed up yet.What is your desired AA?
Statistics: Posted by DIYtrixie — Fri Apr 12, 2024 3:05 am — Replies 36 — Views 4246