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Upset-North-2211 t1_j6o8phm wrote

Reply to comment by Cruian in VFIAX mutual fund or VFFVX target retirement fund for a Roth IRA beginner? by denver-max

Owning bonds in a Roth is dumb. Own bonds in your 401k or IRA. Over the long haul maximizing growth in the tax free account wins.

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Upset-North-2211 t1_j6o8u9z wrote

Read any article on tax efficient asset placement to learn about this.

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Cruian t1_j6oa0ls wrote

I misread your use of tax efficient originally

The diversification points still stand.

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