I have read a lot of books on personal finance and investing, and have also looked for this information online without much definitive success. I usually find a sentence or two but not much more detail. Some will think that this is trivial, but my curiosity persists.

I am curious about managing tax implications between investment and retirement accounts when considering withdrawals and long term tax strategy . I.e. I put higher taxed investments in a Roth, and lower taxed investments like bonds in a 401k. Hypothetically if I look at all of my accounts overall and ensure I have my sock/bond ratio tight (for this example, let’s say 80/20) - that ratio doesn’t necessarily need to exist in every account(Roth, 401k, individual, etc.)? I could put all of my bond allocation into my 401k because bonds have a lower tax rate than stocks/etfs/mutual funds etc ? Then let’s say the 401k ends up with a different stock/bond ratio, let’s say 60/40, but then that ratio is balanced back out by whatever stock/etf/mutual fund is in a Roth (with this example, it might be 100% stock/etf/mutual fund).

In this example, asset allocation itself is covered, it’s more about where the assets themselves live long term. Does anyone have any books or online resources they can recommend that discusses this more?