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/ #POST-001916
REDDIT
Do you run portfolio optimizations for your retirement account separately?
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.