I’ve been buying CDs over the past few months in my personal brokerage account. Now wondering if they should go in the IRA when they mature. Background: Retired, High tax bracket; taking IRA distributions early before the mandatory age, as I’d like to work down the amount in the IRA. IRMAA higher than I’d like it to be (due to above).

My second-guessing goes like this: CDs in my personal brokerage account yielding 4-5% is a higher yield than my dividend yield from the mutual funds in my brokerage account, so I’m producing more taxable interest/dividends by adding these CDs there. I don’t need more equities/mutual funds in my brokerage account, but for TAX reasons, maybe I should have bought mutual funds instead of CDs in the brokerage, since mutual funds have a smaller yield, even with the capital gain. Thanks in advance for any input—pro’s AND con’s!