No. of Recommendations: 0
Hi Fools,
I have a dilemma that I hope you can help me with. I have a 401k, Roth, and Brokerage account all containing funds which I would like to include in my retirement portfolio my mix is currently 100% equities. I'm looking to move to a more moderate portfolio using ETF's. My total holdings are currently split like this with no option of moving them.

401k - Tax Deferred - 62%
Roth - Tax Free - 10%
Brokerage - Taxable - 28%

The Rule Your Retirement section of TMF suggests.

BND 15%
DBC 4%
IJR 6%
IJS 4%
VEU 7%
VIG 10%
VNQ 4%
VO 12%
VOO 10%
VSS 3%
VTIP 10%
VTV 5%
VUG 5%
VWO 5%

My problem is deciding where to land these holdings among my 3 account types for the most tax efficiency and with withdrawals for retirement income in mind?
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