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What if I have an option to take the pension as lump sum? That would be a chunk of $ that needs to be invested somewhere.

Where is 30%-20% reduction of the value of the taxable account coming from for the Tax Adjusted Asset Allocation? Should it be just reduced by the taxes on capital gain? http://www.bogleheads.org/wiki/Tax-Adjusted_Asset_Allocation You should also reduce the value of your taxable account by about 30%...

How do you treat pension in your AA? Is it like bond?

Can you get the after-tax stuff out before age 59.5? Or are you older? In-service rollover? A number of folks have shown that contributing after-tax is good if the contributions can be fairly quickly extracted and put into a Roth IRA where the gains are tax-free going forward. I don't think I can g...

My employer has a savings plan which offers following accounts: - before tax - Roth - after tax There is an annual limit of $16.5k for before tax + Roth contributions. There is a total limit ofsavings plan contgributions of $50k per year. I am in 33% tax bracket. I have been contributing to before t...

It does seem necessary to distinguish the three categories of pre-tax tax deferred, post-tax tax deferred, and post-tax tax exempt. Yes. I think there are some apples and oranges going on here. :D Back to the original question... taxable account better than tax deferred? I think pre-tax tax deferre...

So you compared a taxable investment to a non-deductible tax-deferred investment. I don't think anybody would argue with you except you probably ignored dividends taxed every year in the taxable account, but not in the tax-deferred account. OTOH, maybe you should compare taxable investment to a ded...

So you compared investing $10K per year in tax deferred vs $6.7K per year in taxable? Taxable cannot come out ahead if the 33% tax rate was still in effect at the end of the 25 year period. Thank you for pointing this out - I was careful to account for taxing dividends every year, but I forgot that...

I have always believed that it makes sense to use tax deferred accounts. Recently I got really intrigued by the statement in the "Principles_of_Tax-Efficient_Fund_Placement", that tax deferred accounts convert long-term capital gains into ordinary income. I did a quick spread sheet calcula...