@jacobdoesmoney2: Which ETF, Which Account 📊 Assumes you're already maxing your retirement accounts every year and still have extra to invest. Here's the "why" behind each answer: SCHD, JEPI, VYM, VXUS, and BND go in a retirement account because they pay real dividends every year. JEPI alone pays over 8%. In a regular brokerage account, you get taxed on that dividend every single year, no matter what. In a retirement account, you don't. VOO, SPY, QQQM, VTI, and VUG go in a normal brokerage account because they pay under 1% in dividends. There's barely anything to tax while they sit there and grow, so they don't need the protection a retirement account gives. Bottom line: Because your retirement account room is limited, spend it on the ETFs actually costing you money in taxes every year. Not the ones that are already tax-efficient on their own. Follow for more.