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I am in the middle of transferring our retirement accounts/joint account/ and custodial accounts from a full brokerage service(after17 years, and many mutual funds later) to a discount broker. I have decided on allocating our portfolio as follows: 13% vanguard index fund, 36% Foolish Four, 33% giants, 18% small cap. My question is this: Is there any advantage (tax or otherwise) to allocating the Foolish Four, small caps,giants, to the IRA accounts and custodial and the index to the joint accounts (or vise versa), or should I use the allocation across the board for each portfolio? The IRA's and joint accounts hold a considerable sum. The custodial accounts hold approximately 15K each. Your help here is very much appreciated. After many years of having someone else handle my money its a little scary. Thanks.

bboing
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