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。

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

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这种方法非常便捷，你将获得及时的优惠通告。 但是你可能要考虑建立一个单独的账户，因为这些邮件无疑会占据你收件箱。

This is convenient and you’ll get timely notifications, but you may want to consider establishing a separate account as the emails will surely add up in your inbox.

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还要考虑成本，因为大多数商用数据库在每次增加客户账户时都要进行授权，所以成本会呈指数级增长。

Also consider cost, because most commercial databases may have exponential license cost associated with adding to a per-account model.

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