Value of Optimization
Over 20 years, optimizing the location of these assets is projected to create an additional after-tax value of:
$0
vs. holding the same allocation in every account
Optimized CAGR
6.91%
Non-Optimized CAGR
6.16%
Annual Return Lift
+0.75%
How it works: The most aggressive (high-expected-return) assets are placed in Roth IRAs first → then taxable accounts → then tax-deferred accounts last. Conservative assets fill in the opposite order. The household maintains the same overall mix; only the location of each asset class changes.
01
Optimized Allocation by Account
02
Detailed Comparison
| Metric | Traditional IRA | Roth IRA | Non-Qualified | Total |
|---|
Additional After-Tax Value
$0
over 20 years, after-tax
Return Enhancement
+0.00%
compounded annual return lift


