j**p
发帖数: 48 | 1 想开个Roth IRA,考虑在 Fidelity,Vanguard,Scottrade,firsttrade 中选,请问这几家
的费用，投资选择范围和收益，如何？mutual fund，bond,ETF,stock等,哪些比较适合
Roth IRA? 谢谢 | m****a
发帖数: 2593 | 2 copy my post over
-----------
roth ira is a tax efficient vehicle,
in general
bonds are considered more tax friendly than stock
and
etf are more tax efficient than mutual funds,
so it is better to invest in stock and mutual fund in roth ira, 401k etc and
leave bonds and etf in your taxable accounts.
【在 j**p 的大作中提到】
: 想开个Roth IRA,考虑在 Fidelity,Vanguard,Scottrade,firsttrade 中选,请问这几家
: 的费用，投资选择范围和收益，如何？mutual fund，bond,ETF,stock等,哪些比较适合
: Roth IRA? 谢谢
| m****a
发帖数: 2593 | 3 and for long term, vanguard is the best.
and
【在 m****a 的大作中提到】
: copy my post over
: -----------
: roth ira is a tax efficient vehicle,
: in general
: bonds are considered more tax friendly than stock
: and
: etf are more tax efficient than mutual funds,
: so it is better to invest in stock and mutual fund in roth ira, 401k etc and
: leave bonds and etf in your taxable accounts.
| B*********t
发帖数: 105 | 4 Assets
Very Efficient:
Tax-managed stock funds
Large-cap and total-market index funds
Efficient:
Small-cap or mid-cap index funds
Value index funds
Low-yielding bonds or cash
Moderately inefficient:
Balanced funds
Most bonds
Active stock funds
Very inefficient:
Real estate or REIT funds
High-turnover active funds
High-yield bonds
http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_Fund | w***n
发帖数: 1519 | 5 Quite the opposite, bonds should be in your tax deferred/free accounts and
stocks, especially international stocks, should be in taxable accounts.
and
【在 m****a 的大作中提到】
: copy my post over
: -----------
: roth ira is a tax efficient vehicle,
: in general
: bonds are considered more tax friendly than stock
: and
: etf are more tax efficient than mutual funds,
: so it is better to invest in stock and mutual fund in roth ira, 401k etc and
: leave bonds and etf in your taxable accounts.
| c**********0
发帖数: 624 | 6 This is a good and essential point. Reinvestment risks of bonds and taking
advantage of capital gain tax rate
Quite the opposite, bonds should be in your tax deferred/free accounts and
stocks, espec........
【在 w***n 的大作中提到】
: Quite the opposite, bonds should be in your tax deferred/free accounts and
: stocks, especially international stocks, should be in taxable accounts.
:
: and
| j**p
发帖数: 48 | 7 Thx
although confused a little... To my understanding, Roth IRA better trades
tax-inefficient investments since this account isn't taxable if certain
conditions are satisfied. So need to know which ones are inefficient?
and the advantage of capital gain tax rate may be reduced starting 2013?
any comment on the brokers other than Vanguard? | w***n
发帖数: 1519 | 8 Just take a look at the link Beastknight gave you. It only takes 5-10
minutes and you will know all you need regarding tax efficiency and fund
placement.
【在 j**p 的大作中提到】
: Thx
: although confused a little... To my understanding, Roth IRA better trades
: tax-inefficient investments since this account isn't taxable if certain
: conditions are satisfied. So need to know which ones are inefficient?
: and the advantage of capital gain tax rate may be reduced starting 2013?
: any comment on the brokers other than Vanguard?
| p**h
发帖数: 1105 | 9 你头像里的猫猫很cute。。。
and
【在 m****a 的大作中提到】
: copy my post over
: -----------
: roth ira is a tax efficient vehicle,
: in general
: bonds are considered more tax friendly than stock
: and
: etf are more tax efficient than mutual funds,
: so it is better to invest in stock and mutual fund in roth ira, 401k etc and
: leave bonds and etf in your taxable accounts.
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