I am considering this fund in my as I hope to retire in the next 2-3 years and am building up my brokerage. I'm looking for simplicity. I am also considering 50/50 VOO/Tbill ladder (the ladder makes California taxes simpler than VBIL, etc. and I can easily manage it).
I do have some VT but for maximum tax efficiency in brokerage going forward I think I want to focus on VOO. My 401K is in a 60/40 TDF with plenty of international exposure.
My main concern is the fact that the non-CA munis may complicate my taxes. I do my taxes myself (I am far from rich) and value simplicity. So I'd be curious to know if anyone in California with VTMFX has any input re figuring out any potential tax nuances.
Many thanks! :)