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M*: 3 Tax-Efficient Bucket Portfolios For Minimalist Retirees

TedTed
in Fund Discussions
FYI: The classic minimalist portfolio consists of three funds: one broad-market U.S. stock index fund, one broad-market international-stock index fund, and a total bond market index fund. Such a portfolio, the likes of which I wrote about last week, is cheap, well-diversified, and low-maintenance.

But as effective as it is, such a portfolio is not necessarily tax-efficient, especially for investors in higher tax brackets who have significant allocations to bonds and hold the funds in a taxable (that is, nonretirement) account.
Regards,
Ted
https://www.morningstar.com/articles/922631/3-taxefficient-bucket-portfolios-for-minimalist-re.html

Comments

  • Derf
    At this point in time would it be wise to DCA into one of these buckets ? Maybe just lower the % in equities ?
    Thanks for the morning links Ted.
    Derf
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