Search found 7 matches

by Rotwang
Sat Sep 28, 2019 4:56 pm
Forum: Investing - Theory, News & General
Topic: Article - "How Great Is Dollar Cost Averaging? You (Still) Don't Know The Half Of It!"
Replies: 35
Views: 4561

Re: Article - "How Great Is Dollar Cost Averaging? You (Still) Don't Know The Half Of It!"

The misinformed argument is the following: "If you're going to DCA (which us accumulators have to since we get paychecks), then the more volatile the asset, the better on average". This leads to a similar argument that "volatility is your friend when accumulating". The real answer is that, on avera...
by Rotwang
Thu Sep 26, 2019 4:55 pm
Forum: Investing - Theory, News & General
Topic: Article - "How Great Is Dollar Cost Averaging? You (Still) Don't Know The Half Of It!"
Replies: 35
Views: 4561

Re: Article - "How Great Is Dollar Cost Averaging? You (Still) Don't Know The Half Of It!"

I think the salient point of the article is that if you are investing regular amounts at regular intervals, then investing in higher volatility (stocks) can significantly outperform low volatility (bonds) even if both classes average about the same over the long term. In other words, during the accu...
by Rotwang
Thu Jun 20, 2019 2:12 pm
Forum: Personal Investments
Topic: Roth Conversion Question – Please help! (First Post)
Replies: 66
Views: 3107

Re: Roth Conversion Question – Please help! (First Post)

Your Welcome Two other resources I found helpful. The I-ORP planner (NOTE: Use the Extended OPR tab located here https://www.i-orp.com/APenalty/extended.html ) was good in opening my eyes to the advantages to aggressive Roth conversion but is really more focused on figuring out the optimal withdraw ...
by Rotwang
Thu Jun 20, 2019 12:41 pm
Forum: Personal Investments
Topic: Roth Conversion Question – Please help! (First Post)
Replies: 66
Views: 3107

Re: Roth Conversion Question – Please help! (First Post)

I a few years behind you and so still in the planning phase myself. I have found the RPM (Retiree Portfolio Model) by bogleheads user bigfoot48 quite useful in modeling the effects of various Roth conversions in detail. It can take a few weeks to really understand the spreadsheet and get all your nu...
by Rotwang
Wed Jun 12, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 47870

Re: What lifestyle creep made you happier?

Hiring a crew for lawn care.
Now the grass gets cut whenever my wife wants it to be.
Happy wife, happy life :happy
by Rotwang
Mon Apr 01, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Is Georgia 65k Retirement Income Exclusion allowed for Roth Conversion
Replies: 5
Views: 548

Is Georgia 65k Retirement Income Exclusion allowed for Roth Conversion

I'm a GA resident (55yo, MFJ) planning to retire between 60-62. I'm using the RPM calculator from Bigfoot48 (great resource BTW) and trying to properly model the GA taxes after age 65 One plan involves converting 130k of TIRA to ROTH between ages 65-70. I have read several GA tax threads but still d...