<prompt> Human: Bogleheads suggests investing in international index funds in addition to domestic index funds to lower risk in ones 401k. In another video, I see that they suggest investing bonds in tax advantaged accounts, such as 401ks, and then keeping international index funds in a taxable account to get a foreign tax credit. So which one is it? Should I diversify my 401k with domestic and international index funds in addition to bonds, or do I keep my 401k domestic and put my international index funds in my taxable investment account?  <response>: Are you maxing out all of your tax-advantaged accounts? You dont have to worry about tax placement until youve maxed out all those accounts and still have money left over to invest. 