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Hello -

My wife and I are retired and have a mix of stocks and bonds. Mostly in index funds but some (about 10-15%) in individual stocks.

We both have IRAs/403B's and also Roths. We are moving money from IRAs into Roths every year and paying taxes on it.

I am trying to figure out what assets to put in Roths and what to put in IRAs. My thinking is that it would be better to put assets with higher expected appreciation (speculative stocks and stock funds) in the Roth which will never be taxed and put assets with lower expected appreciation (bonds and more conservative stocks) in the IRA where we need to take annual minimum distributions and pay taxes.

Any comments or thoughts?

Thanks -

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