Hold the right assets in the right accounts, and keep more of your return

Enrich shows you which investments are sitting in the wrong type of account, what to fund or draw from first, and where the tax savings are, so more of your return stays yours. You make every move yourself.
Disclosure: The recommendations are based on analysis and are not guaranteed to be optimal; the questionnaire and analysis are designed to provide balanced insights.

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Investing

Enrich helps DIY investors invest more tax-efficiently across their accounts. It analyzes where each investment sits and flags holdings that would do better in a different account type, suggests which accounts to fund or draw from first, and surfaces tax-loss harvesting opportunities, so more of your return stays yours. Enrich is read-only, and you make every move.

What is asset location, and why does it matter?

Asset location is choosing which type of account holds each investment, so you pay less tax on the same portfolio.

Some investments create more tax than others. Bond interest and REIT dividends are taxed heavily each year, so they usually do better inside a 401k, IRA, or HSA. A broad stock index fund is naturally tax-efficient, so it can sit comfortably in a taxable account. Holding the exact same mix in every account ignores this, and quietly costs you.

The payoff is real but depends on your situation. Vanguard’s research estimated that thoughtful asset location can add up to about 0.75% a year in after-tax return, without taking on more risk (Vanguard, 2022).

How does Enrich know what to move?

It looks across all your accounts and flags any investment sitting in a less-than-ideal tax-advantaged account type, with the reason why.

Once you connect your accounts and set a target allocation, Enrich’s asset-location analyzer compares what you hold against a more tax-efficient layout. It then shows specific suggestions, like moving bond funds into a tax-advantaged account over time, so you can decide what to act on.

Which accounts should you fund first?

Enrich suggests a priority order for your contributions, based on the accounts you actually have.

Not every dollar should go to the same place. A common order is to capture any employer match first, then use tax-advantaged accounts, then a taxable account, but the right order depends on your accounts and goals. Enrich lays out a suggested order you can adjust, so new money goes where it does the most good.

Which accounts should you draw from first?

When it is time to spend, Enrich suggests a tax-efficient order to withdraw from your accounts.

The order you tap accounts in retirement, or for any large goal, affects how much tax you pay along the way. Enrich suggests a withdrawal order that fits your accounts and your plan, and it works hand in hand with the withdrawal options in Financial Planning.

When does a Roth conversion make sense?

Enrich helps you see whether and when converting to a Roth could be worth it, and roughly what it would cost in taxes.

A Roth conversion can lower your lifetime taxes in the right years, but the timing and the tax cost matter a lot. Enrich’s Roth conversion calculator helps you weigh a full conversion or a backdoor Roth, estimate the tax you would pay to convert, and see a sensible window to consider it. It is built to inform your decision, not to replace advice for your specific situation.

What about tax-loss harvesting?

Enrich also scans for tax-loss harvesting, which involves selling a down investment to capture a tax loss while staying invested in a similar position. For more on how alerts work, check out our Rebalancing & Alerts page.

Will Enrich do my taxes or change my accounts?

No. Enrich is read-only and informational. It shows you opportunities, and you decide and act.

Enrich cannot move money or place trades, and it is not a substitute for personalized tax advice. For decisions that depend on your full tax picture, it is worth checking with a tax professional. More on security.

Need Answers?

Frequently asked questions

What is asset location?

Asset location is the practice of choosing which type of account holds each investment to lower your tax bill. Tax-inefficient holdings often belong in tax-advantaged accounts, while tax-efficient ones can sit in a taxable account.

How much can asset location actually save?

It depends on your situation. Vanguard research estimated that thoughtful asset location can add up to about 0.75% per year to after-tax returns, without taking on more risk.

Which accounts should I contribute to or withdraw from first?

Enrich suggests a priority order for funding and withdrawals, based on your accounts and goals, which you can adjust.

Is this tax advice?

No. Enrich provides general informational guidance to help you decide and act; it is read-only. For your specific situation, talk to a tax professional.

Does Enrich help with Roth conversions?

Yes. Enrich helps you see whether and when a conversion, including a backdoor Roth, could make sense and roughly what it would cost in tax. It is informational, not tax advice.