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Editor's note: This is part six of a seven-part series. It dives more deeply into the second strategy for defusing a retirement tax bomb, implementing asset location. If you missed the introductory article, you may find it helpful to start here.
Most investors have heard of asset allocation, but asset location is another story - and it could help investors with large tax-deferred savings reduce their tax bills in retirement.
SEE MORE When It Comes to Your RMDs, Be Very, Very Afraid!
Asset allocation refers to how a portfolio is allocated to various asset classes that have different historical investment returns and standard deviations. The simplest example is a stock-bond allocation, such as a 60% stock, 40% bond allocation, which is a common allocation for retirees. But there are dozens of more granular asset classes that can be managed as well, for example, U.S. large cap stocks or international small cap value stocks. Asset allocation is critical to effectively diversify your portfolio and reduce risk.
Asset location is different portfolio management strategy: one that few clients I meet have heard of. Few financial advisers implement it as well. Asset location seeks to minimize taxes by placing different asset classes in specific tax buckets (taxable, pre-tax, tax-free).
Putting Asset Location into Practice
In a nutshell, here's how asset location works:
Typically, you want to place investments with low expected returns, such as bonds, into tax-deferred accounts.Place investments with high expected returns, such as small value or emerging market st
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Need to build a slide presentation for a meeting, training, or other event? Google Slides is an easy-to-use web app that comes with the essential tools and more. It stores your presentations in the cloud with Google Drive. Anyone with a Google account can use Slides and Drive for free, and they're also included with a Google Workspace (formerly G Suite) subscription for business and enterprise customers. There are Google Sheets mobile apps for Android and iOS, too.
This guide will help you become familiar with the Google Slides web interface and show you how to start a new presentation, upload a Microsoft PowerPoint file to edit in Google Slides, collaborate with others on your presentation, and finally, present it to others.
To read this article in full, please click here
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