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Subject:  allocation across accounts Date:  10/29/2013  11:34 AM
Author:  spinning Number:  73663 of 89912

I have four types of retirement accounts
- 401k at current job
- rollover IRA from previous jobs
- Roth IRA
- inherited IRA, currently taking required distributions

I am more than a decade away from retirement. If I want an overall allocation of, say 70/30 stocks and bonds, what should I put where? Should all accounts be 70/30, or does it make more sense to put more stocks in one and more bonds in another?

My thinking is to put slowest growing assets in the inherited IRA, allowing me to take a smaller fraction of my total in required withdrawals, and the fastest growing assets in the Roth, where I will pay no taxes. The 401k and rollover IRA seem identical in how they are treated.

Thoughts? Anything I am missing? Should I somehow account for the fact that faster growing assets tend to be more volatile?
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