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URL:  http://boards.fool.com/unless-you-are-planning-to-begin-distributions-in-14558336.aspx

Subject:  Re: Diversification across IRA's Date:  3/15/2001  6:23 PM
Author:  pauleckler Number:  28454 of 88435

Unless you are planning to begin distributions in then near future (within 3 years) or plan to use them as part of an estate plan (designating different beneficiaries for different accounts), I would treat them in aggregate and look at overall asset allocation for now. This means there is little point in trying to keep each account individually balanced.

Considering taxable vs tax protected accounts, you would probably like to have long term buy and hold investments in your taxable account, but those that generate taxable income (dividends and capital gains distributions) or shorter term capital gains and trading income may be better in the IRA. Of course, best would be a Roth IRA if you qualify.
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