Unless OP has no interest in doing any tax loss harvesting. Or, if there is a significant, protracted drawdown and they decide they want to, it really is not a big deal to check the calendar, change a reinvestment election, come check in with us, and do it when the time is right. In the meantime, and maybe forever, they can stick with a simple(r) portfolio.I would switch the Roth IRA to VFIAX (Vanguard 500 Index Fund Admiral Shares) to avoid potential wash sales.....
Roth IRA @ Vanguard: $65k (all in VTSAX Admiral shares). I do a Back-door Roth every January.
Brokerage @ Vanguard: $54k (all in VTSAX Admiral Shares).
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Having said that, it really does not add much complexity to swap the Roth.
Statistics: Posted by Silverado — Wed Apr 24, 2024 6:49 am — Replies 5 — Views 534