For those who have retired or have studied this more than I what do you feel is the optimal mix/location of assets for the best tax/asset growth efficiency?
For sake of argument lets say you have investable assets of $1,000,000 and in the 15% bracket, many have state taxes too, lets keep that in the back of our minds.
With all the moving parts in regards to SS taxes, ACA subsidies, etc. its a moving target. Ones ability to move assets around tax shelter wise is a slow process. Most of my saving years I felt having multiple piles is good thing without knowing the future tax laws and what life is going to toss you. I was investing about 10 years before a Roth was option.
For what is worth currently I'm sitting at:
10% Roth
30% Tax Deferred
60% Taxable
Much of this out of our control but I currently have a few options, fill up on some Ibonds is one thing I'm considering. We are still working and will continue to fill up our work plans (only options we have are tax deferred) and Roth accounts. Some Roth conversions maybe in order too at some point after we quit working for the man.
For those who are living the dream/retired/not working etc. what would be your mix if you could choose?