Account Strategy

Due to various circumstances, I have several different account which I trade in.  In the past, I'm pretty much just picked an account that has money and bought stock.  But over time this has evolved so that I I engage in slightly different strategies for each account. 

Large Rollover IRA Account - This account is tax deferred until I choose to make a withdrawal (after 59-1/2), so it is the first account which I like to use and maximize funds invested. 

Small Roth Accounts - Because these gains are tax free, I wish to maximize gains for these accounts.  I do this by using these accounts for double-down investments.  I am not always fully invested in these accounts, but I think this allows me to maximize gains because the percentage and absolute gains for a given investment are larger because the buy-in price is always lower than my standard buy-in.

 Small Rollover IRA Account - Like the large account, this is tax deferred, but I only want to carry 1-2 different stocks in this account, so I can double-down in a single account.  This minimizes selling commissions and also makes the sell process a little bit easier to manage.

Large Beneficiary IRA Account - My strategy for this account is subtly different from the other accounts.  Taxes are deferred until withdrawal, but I must make a withdrawal every year.  For now, I am working full time, so I don't wish to make large withdrawals (and pay related tax), so I treat this account as a secondary option.  However, should I stop working and wish to use this account as a primary source of current income, it would leapfrog the Rollover accounts to become my first choice. 

As with most aspects of my training strategy, this is subject to change over time.