10-28-2014, 01:46 PM
I would prefer DGI and trading in the tax deferred account and long term growth stocks in my taxable.
That way you don't need to worry about taxes affecting sale decisions on your trades because there are no tax consequences and you also don't need to worry about taxes on dividends as they grow. In the taxable account you can let your growth stocks run and won't pay any taxes until sale time.
Another consideration is if you make under a certain threshold, qualified dividends are taxed at a reduced rate, or even a zero rate, if you make under a certain amount ($37K per year if I remember correctly). So if that is the case you can put your blue chips in your taxable account and keep your REIT's in your tax deferred account.
Here is some info from Wells Fargo talking about qualified dividends in a taxable account.
That way you don't need to worry about taxes affecting sale decisions on your trades because there are no tax consequences and you also don't need to worry about taxes on dividends as they grow. In the taxable account you can let your growth stocks run and won't pay any taxes until sale time.
Another consideration is if you make under a certain threshold, qualified dividends are taxed at a reduced rate, or even a zero rate, if you make under a certain amount ($37K per year if I remember correctly). So if that is the case you can put your blue chips in your taxable account and keep your REIT's in your tax deferred account.
Here is some info from Wells Fargo talking about qualified dividends in a taxable account.