Who's putting cash in tax free accounts?

[Matthew19]

I can't stand thinking about this - I have cash in taxable and some stocks in a Roth. I could swap them now while I'm rebalancing but the math just doesn't click. Wouldn't having a higher growth asset in a be better? Also have a tax deferred account too.

[whatchamacallit]

I have also thought about this conundrum and took cash out of Roth accounts.

I now just do three equal parts of stocks, gold and intermediate bonds in Roth and traditional retirement accounts. Then save in only cash outside of retirement accounts. It ends up being balanced enough for me.


If somehow I end up with too much cash then I would either upgrade real estate or start putting some in stocks.

It may or may not be the most tax efficient but the simplicity and security of having cash closer feels better.

[Matthew19]

I see the value in having the cash more accessible, no big tax hit when selling a t-bill.