And to be transparent, I am one of those. Image may be NSFW.We don't really know if it's a small fraction or not.Some still do use all in one funds in taxable although likely a small fraction. Longinvest has the long thread about using one fund across all accounts including running the tax numbers. The simplicity of the one fund and likely benefit of people not fiddling with it and/or panic selling can outweigh some tax drag. If you have the awesome problem of having millions in taxable on top of tax advantaged accounts I probably would not complain much either. Image may be NSFW.Bogleheads will point out that using an all in one fund in a taxable account is not the most tax efficient way you can invest. That being said, your plan is still pretty solid, and very, very simple, which always gets a thumbs up from me.
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It's worth studying the thread cosmos referenced: viewtopic.php?t=287967
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. I have the lifestrategy in my vanguard ira, vanguard TDF closest to 80/20 in company 401k and the ishares AOA in taxable. I just do not have much money in taxable as most of it is in tax advantaged but even if I did I would not alter the strategy or micromanage taxes over the simplicity and ease of mind.Statistics: Posted by cosmos — Fri Jun 28, 2024 12:08 am — Replies 9 — Views 785
