Asset location at $85K: Which fund goes in the 401(k), the Roth, and the Brokerage Account?

You’ve got three accounts now: a 401(k), a Roth IRA, and a fresh taxable brokerage account. Somebody told you to put the bonds in one and the stocks in another, to “locate your assets” and save thousands in tax.

At $85,000 of household income, the honest number is closer to a hundred dollars a year. That’s still worth knowing, because the free move is easy and the expensive mistake is not.

What actually gets taxed in a brokerage account