Search found 6 matches

by Pilgrim211
Mon Jul 17, 2017 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Planning ahead
Replies: 4
Views: 481

Re: Planning ahead

Thanks for the input. Dan, I found that article helpful, it addressed some of my concerns. I was surprised that some suggested that high a ratio (40-50%) for a taxable account, yet it sure gives me something to consider. HouseBlend, you have hit on some of my concern...am I being too aggressive in t...
by Pilgrim211
Sun Jul 16, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Planning ahead
Replies: 4
Views: 481

Planning ahead

Are there general guidelines on how to plan ahead for tax-efficiency in the withdrawal phase? I'm trying to wrap my mind around multiple income streams in the future. Here's where I am now: single, 15% marginal tax rate (with headroom in that bracket for now), employed and in my mid-fifties. I've be...
by Pilgrim211
Tue Apr 04, 2017 5:37 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) vs Taxable Account
Replies: 9
Views: 833

Re: 403(b) vs Taxable Account

I wonder if you aren’t overthinking this. We don’t know what the future holds as far as tax rates, IRS regulations or the markets. It would seem to be ideal to have many different sources of retirement funds: a taxable account, a Roth IRA account and a traditional IRA (or 403b). Add in the increasi...
by Pilgrim211
Mon Apr 03, 2017 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) vs Taxable Account
Replies: 9
Views: 833

Re: 403(b) vs Taxable Account

Thanks for your responses. You've given me some good things to think about. Krow36 commented, "... it’s hard to know if it would be a good idea to sell some of it to supplement your living expenses so that you could max out your 403b account. In general, I think it’s a good idea, but I’ll leave...
by Pilgrim211
Sun Apr 02, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) vs Taxable Account
Replies: 9
Views: 833

Re: 403(b) vs Taxable Account

Thanks for your quick response, krow36. I have a slight hesitation with using the taxable account to facilitate maxing 403(b), and am trying to sort it out in my mind. Am I, in effect, setting myself up to pay extra income tax since the Taxable has the taxes already paid for most of it (other than 2...
by Pilgrim211
Sun Apr 02, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) vs Taxable Account
Replies: 9
Views: 833

403(b) vs Taxable Account

Hi there, I’m new to the forum, and would like to ask a “what-if” question. I have seen that you like a good snapshot of current state before answering so here goes. A little background. Although I’ve had few thousand invested in a Roth IRA and in a traditional IRA, I’ve not contributed anything for...

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