Asset Location Optimizer
Maximize after-tax returns by placing each asset class in the most tax-efficient account. Compare taxable, tax-deferred, and tax-free accounts side by side.
What you can do:
• Input your portfolio across all account types
• See optimal asset placement for tax efficiency
• Calculate tax drag and after-tax wealth difference
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Asset Location Optimizer
Enter your portfolio holdings and account balances. The optimizer suggests the most tax-efficient placement across Taxable, Tax-Deferred, and Tax-Free accounts.
1. Account Balances
2. Tax Assumptions (Adjust for Your Jurisdiction)
3. Asset Classes & Returns
Adjust expected returns and tax characteristics for each asset class. Yield % is the portion of return taxed annually (dividends/interest).
| Asset Class | Expected Return | Annual Yield % | Tax Efficiency | Current Allocation % |
|---|---|---|---|---|
| Domestic Total Stock Market | % | % | High | % |
| International Stocks | % | % | High | % |
| Domestic Bonds (Aggregate) | % | % | Low | % |
| Inflation-Linked Bonds | % | % | Low | % |
| Real Estate / REITs | % | % | Low | % |
| Commodities / Gold | % | % | Medium | % |
| Cash / Money Market | % | % | Low | % |
⚠️ Allocations must sum to 100% (currently: 0%)
4. Tax Efficiency Analysis
Current Allocation by Account
Optimized Allocation by Account
5. Recommended Asset Placement
Optimal placement prioritizes tax-inefficient assets (high yield) in tax-advantaged accounts.
| Asset Class | Tax Efficiency | Best Account | Current: Taxable | Current: Tax-Deferred | Current: Tax-Free | Optimal: Taxable | Optimal: Tax-Deferred | Optimal: Tax-Free |
|---|