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April 30, 2024
9 Free Financial Modeling Lessons
Get instant access to lessons taught by experienced private equity pros and bulge bracket investment bankers including financial statement modeling, DCF, M&A, LBO, Comps and Excel Modeling.
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In terms of tax planning, it sometimes makes a lot of sense to move your taxable bonds, REITs, and royalty trusts into a Roth. To the extent that I can have a diversified portfolio with sensible investments, I try to aim for 50% of my Roth investments being REITs, Royalty trusts, and MLP ETNs. (Don't hold straight MLPs in an IRA as that will usually generate UBTI, which is still taxable to the account.)
I'm a very conservative investor for a 25-year-old. 35% of my liquid assets are in cash or CDs with lenient early withdrawal policies, and about 1/3 of my equities investments are in infrastructure, utilities, and healthcare. As long as I can beat inflation by an average of 6%/year net-of-tax, I'm a happy camper.
No doubt you seem extremely sensible in your approach, but to me those returns just don't cut it given my age (i'm 23). I know my risk preferences are most likely greater than yours, however, my question is would you ever consider using LEAPS on general market indices (either emerging/frontier or developed)? Or putting money into commodity or commodity related equities an inflation hedge?
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