Asset Location: Where Should You Hold Retirement Investments? - 272

Your Money, Your Wealth

Realestate, Income, Investing, Personalfinance, 401k, Rothconversion, Retirement, Education, Taxes, Socialsecurity, Personalfinances, Finance, Retirementplanning, Investments, Stocks, Business, Roth, Fiduciary, Ira

2.3 • 681 Ratings

🗓️ 5 May 2020

⏱️ 41 minutes

🔗️ Recording | iTunes | RSS

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Summary

What types of investments you keep in your taxable, tax-deferred and tax-free accounts can play a big part in how much tax you pay over time. In this episode, Joe and Big Al break down asset location and answer some of your tax planning questions. As always, the fellas also talk strategy when it comes to Roth IRA contributions and Roth conversions. Sign up for the LIVE YMYW webinar on May 13, send in money questions, read the episode transcript and access free financial resources: https://bit.ly/YMYW-272

Transcript

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0:00.0	Get your financial questions answered live by Joe Anderson CFP during the Your Money,
0:05.0	Your Wealth webinar Wednesday, May 13th at noon Pacific 3 p.m. Eastern.
0:09.5	Go to the podcast show notes ASAP to register for it, the CARES Act.
0:13.7	Now what?
0:14.6	Followed by an open Q&A with Joe, moderated by yours truly.
0:18.3	Click the link in the description of this episode in your podcast app,
0:21.3	go to the show notes, download financial resources, and register for the YMIW live webinar on May 13.
0:28.1	Today on Your Money, Your Wealth, Joan Begall, talk asset location and answer some of your
0:33.3	tax planning questions, because what types of investments you keep in your taxable, tax-deferred,
0:38.2	and tax-free accounts can play a big part in how much tax you pay over time. And as always,
0:43.7	the fellows also talk strategy when it comes to Roth IRA contributions and Roth conversions.
0:48.2	I'm producer Andy Last, and here are the hosts of Your Money, Your Wealth, Joe Anderson, Anderson CFP and Big Al Clopine's CPA.
0:56.0	Estebon, estabone.
0:58.0	Estebon.
0:58.8	All right, cool.
1:01.2	Hey guys, my current employer of two years now
1:05.3	offers a 401k and Roth 401K.
1:08.5	They match up to 3%, and at 5%, they match half. I am putting my 3% in the 401k,
1:18.8	and just starting putting 2% into the Roth. I have no other investments or retirement plans.
1:23.3	What assets should I be choosing in my 401k? They have a Target 2050 fund, or I can choose other options like mid-caps, small-caps, international.
1:33.6	I have minimal financial education when it comes to investing and just started listening to your podcast.
1:40.6	All right. Well, welcome to the family, Esteban.
	...

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