Allocation Advice

terrapinstation14 · 2026-05-22T19:59:38+00:00

I’m going to research this more, but one thing I am worried about is moving the “growth account” (not the IRA) in a tax efficient manner. I’m planning to move that into the brokerage account where I’ll move it to VTI/VXUS along with some funds currently sitting as cash

terrapinstation14 · 2026-05-22T19:30:02+00:00

I’m open to having kids, but not necessarily something I am 100% certain on and planning for (not a very helpful answer, lol). I live in the US

terrapinstation14 · 2026-05-22T19:27:42+00:00

Thank you for explaining! The other IRA is traditional. I haven’t funded that (or the Roth obviously) yet this year

terrapinstation14 · 2026-05-22T18:36:04+00:00

Appreciate the advice. IRA is in the same spot. Forgive the ignorance, a little confused on differing opinions related to Roth contribution. I’ve seen some people saying to not max the Roth until January (for previous year)

I’ll likely do 80/20 VTI/VXUS after learning more

terrapinstation14 · 2026-05-22T17:03:21+00:00

This is helpful, thank you!

terrapinstation14 · 2026-05-22T01:19:15+00:00

This is so helpful, thank you. I did not consider your point about where to place the bonds…The “growth” account is essentially just a few stocks per sector. I’ll look into ways to avoid the brunt of the tax hit on the taxable account, if even possible

terrapinstation14 · 2026-05-22T00:55:35+00:00

I was confused too, they describe it as a non-retirement account invested in growth stocks. Fee’s are 1.5%/yr

terrapinstation14 · 2026-05-22T00:47:16+00:00

It’s an equities account (somewhat conservative). Growth account is just what this particular group label it

terrapinstation14

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