Hey guys,
Sorry for such a noobish question but I've been reconsidering my portfolio allocations per
https://www.bogleheads.org/wiki/Tax-efficient_fund_placementI primarily have FSTVX, FUSVX, FSEVX and FSGDX spread out across a some taxable, tax-free, and tax-deferred accounts. Our Roth IRAs have FSTVX, FUSVX, and FSEVX; the Traditional IRA has FUSVX in it; and the taxable account has FUSVX, FSEVX and FSGDX. I have another taxable account with several ETFs as well (DVY, ITOT, IVV and IXUS). I have a Wells Fargo 401k where I'm fully invested in their S&P 500 fund (very low cost and minimal expenses) as well - not sure if I should mess with that.
Between all the accounts, where should these funds belong? I'm thinking FSTVX (tax-efficient?) should go to the taxable along with FSGDX (per foreign tax credit). What about FUSVX and FSEVX though? Seems those would still fall under tax-efficient funds the least tax-efficient of the bunch. And what about the ETFs? Are those OK being in a taxable account or should I consider moving those to tax-free and/or tax-deferred?
On that note, I'm likely going to start rebalancing to add FSITX into the mix as I'm not sure I'm as comfortable primarily invested the way I am now. It sounds like FSITX should stay in the tax-free and/or tax-deferred accounts (not sure which though if not both)?