
Thinking about the problem of taxable vs non taxable accounts, the pendulum started swinging towards moving as much money market fund to IRAs as possible & non dividend paying stonk to the taxable but there are problems. If more cash is needed than available, you can reallocate back to stonk within the IRA & sell stonk in the taxable. The capital gains tax would be lower. The problem is timing. It has to be done when valuation in the IRA is relatively high. It's definitely not setting a new high now. That maximizes the principal after transferring to the money market fund. The IRA won't go anywhere by earning interest & there's no way to get the principal back in this kind of transfer. It could be quite expensive to transfer during a dip. Both the taxable & IRA would have smaller positions in their new funds. If the transfer is done during a high, the IRA has a bigger position in its new fund, yet the longer it'...