I need to transfer $51k from my IRA to my ex. Does it matter which funds I take the 51k from?

18 points•17 comments•submitted by eb-red​ to r/personalfinance

A part of my divorce agreement I have to transfer 51k from my IRA to my ex. My IRA is split between 3 funds, 61% is in VTI. 21% in VXUS and 12% in FXAIX. The last 6% is dividends deposited to my money market account. Should I take evenly between the 3 funds or would it be better to take most of the money from one of these and as little as possible from the others?

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Information that maybe important. I am 40 and have a 401k with my current employer. I contribute 6% of my salary to the 401k for the full match. The 401k has 37k and will not be used at all. The IRA is a rollover from a previous employer.