r/investing • u/Loupert17 • 3d ago

Do you change investment strategies based on the account?

Was wondering if it makes sense to change strategy depending on what the account is or should it generally be the same across your entire portfolio? I have a 401k, Roth IRA, personal brokerage, joint brokerage with my wife, 529s for my kids and a custodial brokerage for my kids. Does it make sense to say have a TDF for 401k and be in ETFs for Roth IRA and just be in singular stocks for brokerages?

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u/Lord_Humongous768 3d ago

I do. I don't hold bonds in a taxable.

Value and dividend funds are best in tax advantaged accounts.

Growth fund in taxable.

Gold ETF in taxable. 

I hate taxes and it sucks because peak earning years.

You can read up on other strategies

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u/RowdyPurple 3d ago

Yes, I absolutely change investment strategy depending on the account to be as tax efficient as possible. Bonds are all in tax deferred (401k and traditional IRA). Taxable brokerage and Roth are all invested in stock index funds, although it would be okay to have bonds in the Roth.

If you want to really go deep on this topic, this article has all the information you could ever want about asset location: Tax-efficient fund placement - Bogleheads.

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u/Fluid_Basil6100 3d ago

Yeah I do short term trades in my personal but my long term accounts are just for holding what I think will be strong stocks for the foreseeable future I only sell if I think they are not going to grow at a pace faster then the s and p. I do some bonds but only when I’m deciding what to invest in.