Josh Scandlen Podcast

Tax-efficient investing is what Vanguard is known for.  They just sent out a summary of their "model portfolios" and highlights the gross and after tax returns of each.  Which I love. And you should too.  You can find it here. https://advisors.vanguard.com/web/cf/vanguard-models/?INCMPGN=IN:BR:XX:FAS:XX:20180514:ALL:XX:LINK:MODPORT:TAX:EFFICENCY Their 100% equity portfolio lost 6% of its returns to taxes over the last 5 years.  Gross returns were 10.63%. After tax returns were 10.01%. (After tax returns use the highest possible federal rate at the time of distribution but does NOT include state tax.) Their 100% fixed income portfolio though gave away 50% of its returns to taxes.  Before tax it averaged around 2%, after tax, 1%.  That, my friends, is a big deal! In this episode you're going to learn how to avoid all that.  3 accounts. $100k in each, a Traditional IRA, a Roth IRA and a Taxable account. You are a 50/50 investor, that is 50% stocks and 50% bonds.  Whe