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stocks and bonds in roth ira vs non-tax-advantaged
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you should definitely favor holding bonds in tax-advantaged accounts, because bonds are not tax-efficient. the reason is that more of their value comes in the form of regular, periodic distributions, rather than an increase in value as is the case with stocks or stock funds. with stocks, you can choose to realize all that appreciation when it is most advantageous for you from a tax perspective. additionally, stock dividends often receive lower tax rates. for much more detail, see tax-efficient fund placement.
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