Sit down with a calculator or spreadsheet and do a bit of calculating for the various scenarios. The bottom line is its all about after tax total return.No matter what, you want to be mostly into equities to take advantage of the better returns especially if you think economic recovery is coming.From there pretax 401K or IRA is taxable in retirement vs after tax tax free in retirement Roth IRA or 401k. They are mathematically identical if tax rates now and in retirement are the same. So choice depends on how your tax rate will change between now and retirement.Long term buy and hold in a taxable account is after tax and taxable at capital gains rates. That is usually your best choice once you have maxed your tax preferenced programs, but capital gains tax rates might change and picking investments you can really hold long term is not so easy.So most do some of all in hopes that most you own will be winners and if you get a loser or two it won't be devastating.
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