Roth IRA Asset Location Why Bonds Dont Belong Here

Episode 40 of Roth IRA with Fexingo dives into asset location — specifically why holding bonds in your Roth IRA can be a costly mistake. Lucas and Luna break down the math: a $10,000 bond allocation in a Roth vs. a taxable account over 20 years, showing how lost tax-free growth on equities outweighs the minimal tax benefit of bonds. They discuss when exceptions might apply, like for retirees using a bond tent strategy, and how to rebalance across accounts without violating the wash-sale rule. The episode also touches on the tax-efficiency of REITs and international funds. A practical guide for anyone with a multi-account portfolio who wants to maximize after-tax returns without adding risk. #RothIRA #AssetLocation #TaxEfficiency #Bonds #Equities #PortfolioRebalancing #WashSaleRule #REITs #InternationalFunds #RetirementPlanning #BondTent #AfterTaxReturns #FinancialPlanning #Finance #Podcast #FexingoBusiness #BusinessPodcast #RothIRAWithFexingo Keep every episode free: buymeacoffee.com/fexingo