I am in the process of a 401K rollover and expect the proceeds to be available for investment at the end of the month. My PP is primarily held in a taxable account with 40% of LTTs in tax-deferred. The plan is to sell the remaining 60% in taxable, pay the LTCG and repurchase them in the IRA. I lose the ability to tax loss harvest the asset at a future date and also pay the taxes owed at the time of sale. Is this a fair tradeoff given the positive impact of compounding returns in a tax-deferred account if I plan to invest the money for the next 30 years?
Alternatively, I can maintain a 4x25PP in the rollover IRA and use the account to rebalance the entire portfolio as needed (avoiding capital gains).
Any insight is greatly appreciated.
Asset Placement Planning
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buddtholomew
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Asset Placement Planning
Last edited by buddtholomew on Sun Mar 03, 2013 2:42 pm, edited 1 time in total.
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