If your retirement plan includes both taxable and tax-deferred accounts, it is worth considering which funds should be placed in each.

假如你的退休计划中同时包含了应纳税和延迟纳税账户，那就要考虑一下应该如何分配资金了。

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Thanks to these conversions, your Roth IRA should steadily grow, while your tax-deferred accounts shrink.

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Conversely, you could keep all tax-deferred accounts at one firm and the taxable ones at another.

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One way to mitigate the impact is to place higher yielding securities in tax-deferred accounts like IRAs.

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