What % of your portfolio is in tax advantaged space?

Jack Jones · Post by **Jack Jones** » Sun Dec 21, 2025 4:08 pm

See poll.

Post by **Xan** » Sun Dec 21, 2025 9:41 pm

What do you mean by portfolio? In particular, are you including the primary residence? (I'm assuming, if so, that the amount of equity in the house is what would be counted.)

coasting · Post by **coasting** » Sun Dec 21, 2025 10:20 pm

Xan wrote: ↑Sun Dec 21, 2025 9:41 pm What do you mean by portfolio? In particular, are you including the primary residence? (I'm assuming, if so, that the amount of equity in the house is what would be counted.)

I understand the common practice is to consider primary residence as part of total net worth but not as part of investment portfolio. I responded to the poll with that understanding.

Post by **Xan** » Sun Dec 21, 2025 10:50 pm

coasting wrote: ↑Sun Dec 21, 2025 10:20 pm
Xan wrote: ↑Sun Dec 21, 2025 9:41 pm What do you mean by portfolio? In particular, are you including the primary residence? (I'm assuming, if so, that the amount of equity in the house is what would be counted.)
I understand the common practice is to consider primary residence as part of total net worth but not as part of investment portfolio. I responded to the poll with that understanding.

Sounds good to me, thanks!

yankees60 · Post by **yankees60** » Mon Dec 22, 2025 1:50 pm

I am:

Non-Retirement 16%
Retirement 84%

Traditional 35%
Roth 65%

Smith1776 · Post by **Smith1776** » Tue Dec 23, 2025 2:58 pm

About half for me

Post by **dualstow** » Fri Jan 09, 2026 4:22 pm

I just added up about 20% in retirement accounts.

There are some things I didn’t add because it’s not space, but I would like to point out that physical gold has a tax advantage in that the value can grow as it sits there with no tax to pay (and nothing to even report).

Ditto for Berkshire shares. And Alphabet, until recently.

Tax-efficient funds like Vanguard Total Stock Market in taxable are also a very powerful tool for that which is in an otherwise tax-disadvantaged space.

yankees60 · Post by **yankees60** » Sun Jan 11, 2026 12:12 pm

dualstow wrote: ↑Fri Jan 09, 2026 4:22 pm I just added up about 20% in retirement accounts.

There are some things I didn’t add because it’s not space, but I would like to point out that physical gold has a tax advantage in that the value can grow as it sits there with no tax to pay (and nothing to even report).

Ditto for Berkshire shares. And Alphabet, until recently.

Tax-efficient funds like Vanguard Total Stock Market in taxable are also a very powerful tool for that which is in an otherwise tax-disadvantaged space.

However, Roth space is best for investments with the highest growth potential, which would be Vanguard Total Stock Market.

Post by **dualstow** » Sun Jan 11, 2026 8:29 pm

At least at the beginning.

Post by **Xan** » Sun Jan 11, 2026 8:35 pm

dualstow wrote: ↑Sun Jan 11, 2026 8:29 pm At least at the beginning.

Could you expand on that, Dualstow?

Post by **dualstow** » Sun Jan 11, 2026 9:54 pm

I think Roth IRA’s are best stretched out with stocks at the beginning, and I wish I had ignored bogleheads’ asdvice to put bonds in there. However, there may come a time when you want bonds and or cash in that space.

Stocks can be inherited with a favorable basis step-up, but if income producing bonds and cash get “too” large, you’re paying taxes on them right now, and every year.

Your mileage may vary.