Posts  / #POST-001916
REDDIT

Do you run portfolio optimizations for your retirement account separately?

C
Feb 16, 2025 · 07:23

Or do you consider your taxable and retirement accounts as one giant portfolio?

A balanced portfolio can't not have things like commodities or managed futures. Those ETFs tend to generate a lot of distributions. It seems easier to stuff these tax-inefficient ETFs in the IRA and leave tech stocks (low or no dividends) in the taxable account.