Should your stocks be in your taxable account or your IRA? The standard advice says to keep equities in taxable and bonds in tax-deferred, but the right answer depends on your tax rates, how your wealth is split across account types, your investment horizon, and your risk tolerance.
This calculator solves for the optimal equity allocation in each of your accounts (Taxable, Traditional IRA, and Roth IRA) by maximizing your after-tax, risk-adjusted return. It also shows how much you’d give up by deviating from the optimal split.
For the full analysis, see our research note: Where Did I Put My Investments?
Adjust the inputs and click Run! to compute.