Just as an example, if one has 10k in domestic stocks in a traditional IRA, and 10k in foreign stocks in a ROTH IRA… The effective allocation is not really 50% domestic / 50% foreign. In my mind, the only dollars that matter are the after tax dollars that go in my pocket. So if the expected tax rate during retirement is 25%, the allocation is really 43% domestic / 57 % foreign.That's true, but if you're comparing apples to apples and taking taxes into consideration, you should compare both investments on a pretax basis. You put 10k into the TIRA pretax. But your $10K Roth IRA was about $13k pretax assuming a 25% tax rate. So your Roth allocation is, after taxes, > 50%, but you contributed more to it in the first place. As it stands now, I agree that your example is weighted more than 50% in foreign stocks.Nick
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