Quote:
Originally Posted by Rain Man
Maybe I'm missing something, or maybe it doesn't matter. But it seems like there's probably an optimal strategy. What say ye, denizens of the football internet?
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I would be inclined to not pay LTCG across a whole portfolio just to shift strategy. I guess I'd end up with 3 because I'd try to do it more organically. Balanace isn't bad either
In retirement you may qualify for the 0% LT cap gains rate depending on circumstances. That might be a good time to move some around. I've been surprised how high those brackets go. If you're a couple w/ no income other than a bit from dividends you can seemingly claim 105kish in LT gains at 0% when you include the standard deduction.