Hey all, should I reallocate all my funds (Large Cap Equity Fund to a TDIF) or is it best to just set up future funds to the TDIF?
Probably depends on the tax implications for this situation. If in a tax advantaged account it might make sense to switch everything to a TDIF, but if you’ll incur capital gains taxes to switch you might want to take that into consideration. Also depends on your asset allocation preference. PFC are strong advocates of TDIF, but if you’re bullish on the US market and want larger exposure here versus the added international and bond exposure you may choose to keep what you have
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@thberry10 nailed it but I’d add that in general I wouldn’t let tax implications drive my investment choices. Make sure you’re in the right investments first, then worry about optimizing taxes next.
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