Is VTSAX/VTIAX/VWIUX in a taxable account considered a sufficient 3 fund portfolio? Specifically re the bond (VWIUX) portion, is there a better alternative in a taxable account for high-income?
My understanding is that bond funds are highly tax inefficient and need to be in tax deferred accounts and so if having one in a taxable account, it’s best to elect a tax-exempt (VWIUX) one? Is this true?
Thanks.