Search found 5 matches

by diverdoc
Fri May 19, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs pre-tax with higher income in the future
Replies: 10
Views: 868

Re: Roth vs pre-tax with higher income in the future

It's hard to predict future taxation, even if the bracket structure remains essentially the same. I'm in the low part of 28% Federal bracket in retirement after being in upper part of 25% bracket much of my working years. Had I retired five years earlier with less in tax deferred, I could have stay...
by diverdoc
Fri May 19, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs pre-tax with higher income in the future
Replies: 10
Views: 868

Re: Roth vs pre-tax with higher income in the future

You are correct in that it is better to contribute to Roth when your tax rate is lower. For you, that is now--lower pay while in the military and in training. You are correct in that early retirees can take advantage of Roth conversions since their income is lower. But at that time, the amount to b...
by diverdoc
Fri May 19, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs pre-tax with higher income in the future
Replies: 10
Views: 868

Re: Roth vs pre-tax with higher income in the future

Your current tax situation is unfamiliar territory. Tax deferred TSP is better if you plan to actually retire when eligible. Roth is probably better if you plan a second career after military retirement because wages + retirement pay will move you into 33% tax bracket. Target low taxable income yea...
by diverdoc
Thu May 18, 2017 2:03 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs pre-tax with higher income in the future
Replies: 10
Views: 868

Re: Roth vs pre-tax with higher income in the future

Thanks for your reply! I was referring primarily for Roth vs "traditional" 401k (TSP) for myself. We file separately (at least for now) due to optimizing income-based loan payments w/ public service loan forgiveness in 10 years. We actually have multiple retirement account options which ma...
by diverdoc
Wed May 17, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs pre-tax with higher income in the future
Replies: 10
Views: 868

Roth vs pre-tax with higher income in the future

Greetings, I'm new to the Bogleheads forum but wanted to see if anyone might have some advice to help my wife and I as we start planning for retirement. After reviewing the articles and forum posts I hadn't seen something quite similar to our situation. I'm currently active duty in the Navy as a doc...

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