i should already know this answer, but my brain is fuzzy.
i have a 401k. it has trad 401k contribution, roth 401k contributions, and employer contributions (pre-tax). does it matter which kind of funds i have in each 'account type'? for example, a REIT with higher dividends and less tax efficiency compared to VTSAX (very tax efficient) compared to a tax-free bond fund.
or, since they're all under the umbrella of the 401k, do tax efficiencies not matter?