Search found 4508 matches

by House Blend
Mon Dec 03, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Harvesting with Vanguard Short Term Investment Grade Bond Fund Admiral
Replies: 5
Views: 429

Re: Tax Loss Harvesting with Vanguard Short Term Investment Grade Bond Fund Admiral

3. The benefit: $3,000 x 22% marginal tax bracket =$660.00. This can be used to offset my 2018 tax. 4. Benefit to me is reduced by the yield difference of the substitute bond fund: VFSUX: 150,000 x 3.44% = $5,160/12 =$430.00 for one month. VSGDX: 150,000 x 2.78% = $4,170/12 = $347.50 for one month....
by House Blend
Mon Dec 03, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 45
Views: 7191

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

If I turn 70.5 on Nov. 30 and my RMD for that year is $120k. I want to do a $10k QCD for that year thus my taxable RMD will be $110k ($120k-$10k) for that year. If I start doing RMD withdrawals in Jan of that year at $10k/month then by Nov. I would have fullfilled my RMD ($10kx11=$110k) and the Dec...
by House Blend
Wed Nov 28, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Withdrawals
Replies: 11
Views: 1016

Re: Withdrawals

If you hold a three funded portfolio and let’s assume you do your withdrawals in January, which asset do you withdraw from if all the assets are down for the year? You pay no attention to which assets have had positive or negative returns. That's irrelevant. What matters is how much you have in eac...
by House Blend
Mon Nov 26, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Why should annuities NOT be held in tax-deferred accounts?
Replies: 23
Views: 1749

Re: Why should annuities NOT be held in tax-deferred accounts?

I keep hearing (and read a comment about this again here on BH a short time ago) that annuities shouldn't be held in tax-deferred accounts. Why? That's because most people don't understand TIAA, or prefer not to. Making blanket statements that are false is a popular indoor sport; many prefer to lea...
by House Blend
Sun Nov 25, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: Advisor Perspectives Article: Are You Paying For Liquidity You Don’t Need?
Replies: 45
Views: 3289

Re: Advisor Perspectives Article: Are You Paying For Liquidity You Don’t Need?

I own a large stake of the most illiquid form of Traditional, but don’t see the relevance to general idea of this thread: a basket of stocks can converge to a value of $0; that’s not true of Traditional. Forgive me for responding to the content of the article mentioned in the OP. I didn't realize t...
by House Blend
Sun Nov 25, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5466

Re: What’s your “barometer” for luxury purchases?

Great answer, but may I pose a hypothetical? What if you found a good or service you liked that always costs 10% more and is 10% better at each tier? There eventually would be a point you might stop right, as surely you don’t have infinite dollars. How might you decide here? Everything has diminish...
by House Blend
Sun Nov 25, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Advisor Perspectives Article: Are You Paying For Liquidity You Don’t Need?
Replies: 45
Views: 3289

Re: Advisor Perspectives Article: Are You Paying For Liquidity You Don’t Need?

Folks with access to TIAA Traditional see a version of this trade-off first hand. There are "liquid" and "non-liquid" versions of Traditional, the difference being that you cannot trade *out* of the non-liquid form except in 10 annual payments. (In retirement there are more options, including taking...
by House Blend
Sat Nov 24, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Reducing number of funds by supplementing LifeStrategy
Replies: 16
Views: 2162

Re: Reducing number of funds by supplementing LifeStrategy

Our Olde advisor said to never use balanced funds because it’s better to have stocks and bonds separately held in the event one needs to sell some off . Then sell the one that is doing well . Makes sense too., don’t you think? Certainly if you have separate funds you should prioritize withdrawals f...
by House Blend
Thu Nov 22, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: New to taxable investments
Replies: 21
Views: 2022

Re: New to taxable investments

I've read through many threads advising that one should keep their own records because Vanguard at times does not correctly report the cost basis. Some have advised excel, but this literally involves entering data on my own. I assume more official evidence of purchase must be kept. Each time you bu...
by House Blend
Thu Nov 22, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: What's in your Investor Policy Statement about Bear Markets?
Replies: 52
Views: 3481

Re: What's in your Investor Policy Statement about Bear Markets?

Maintain asset allocation and rebalance only when it reaches 10% band. Same here, except my rebalancing band is ±5%. My current target is 45% stock. Right now I'm at 43.9% stock. In order for my portfolio to hit 40% stock, assuming the fixed-income portion remains constant, the value of the stock w...
by House Blend
Thu Nov 22, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Taxable Account in Retirement: What Is Reason to Direct Dividends to MM for Spending/Not Reinvest?
Replies: 21
Views: 2240

Re: Taxable Account in Retirement: What Is Reason to Direct Dividends to MM for Spending/Not Reinvest?

In retirement most people need money from their investments to satisfy their expenses/lifestyle (some may have pensions that more than cover spending, but put those aside). So you need to sell some assets. 1. Dividends can be (should be?) thought of as forced sales of that investment. You don't hav...
by House Blend
Thu Nov 22, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Bond fund - munis vs. taxable
Replies: 11
Views: 1324

Re: Bond fund - munis vs. taxable

Therefore, it seems if I am holding bonds in my taxable account, tax-exempt bonds are currently the way to go. However, I have a CD worth $29k maturing in a couple months. I am considering one of two options: 1. Put it in Intermediate term tax exempt in taxable account 2. Use it to buy Total Stock ...
by House Blend
Tue Nov 20, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: timing muni bond fund sale to maximize tax benefits
Replies: 14
Views: 967

Re: timing muni bond fund sale to maximize tax benefits

One thing I've wondered about this process is, how fast does the NAV get built up in anticipation of the dividend? Does the build up for the next dividend begin right after the last dividend was paid or is there a big build up in the few days or few hours before the dividend is paid? Or am I off-ba...
by House Blend
Mon Nov 19, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: timing muni bond fund sale to maximize tax benefits
Replies: 14
Views: 967

Re: timing muni bond fund sale to maximize tax benefits

If I am going to sell a muni bond fund that accrues and distributes dividends monthly, am I correct to say that I should sell right after the dividend is paid? I know that the fund NAV will drop when the dividend is paid (so I should end up with the same amount of money, assuming equally spaced cou...
by House Blend
Mon Nov 19, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Ed Slott & Roth Conversions
Replies: 45
Views: 3563

Re: Ed Slott & Roth Conversions

One thing I always warn about yet seldom see mentioned by the "experts" is ignoring end-of-life medical expenses as a way to spend down a TIRA at 0%. My parents did not have long-term care insurance yet both end-up in a nursing home. We spent around $400k of deductible medical expenses over their l...
by House Blend
Wed Nov 14, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Asset allocation in Roth vs pre-tax
Replies: 8
Views: 910

Re: Asset allocation in Roth vs pre-tax

Does it make any difference to allocate most risky assets (like stocks) in Roth? I say no, but perhaps I'm missing something. I'd say that to a first approximation, you are right. Going beyond that first approximation, once you understand the principle of tax-adjusted risk, the only thing that dist...
by House Blend
Sat Nov 10, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 3747

Re: Roth Investment Theory

averagedude wrote:
Sat Nov 10, 2018 8:25 am
The optimal strategy has been to invest it all on the first day you are allowed (Jan 1).
No, the optimal strategy is to invest money when you have it.
Waiting until Jan 1 is worse.
by House Blend
Sat Nov 10, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: Take taxes into account when rebalancing?
Replies: 44
Views: 2316

Re: Take taxes into account when rebalancing?

When one rebalances based on bands does one just rebalance to the band limit? Or does exceeding the band limit trigger full rebalance to the target AA? Seems like the former might be more appropriate when you having to pay taxes to rebalance. One does whatever one does. There are infinitely many to...
by House Blend
Sat Nov 10, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 3747

Re: Roth Investment Theory

If you have $5,000 available to invest, you should invest it now.

If you've used up all of your tax-advantaged space for 2018, open a taxable account.

The time to worry about hitting the 2019 maximums for tax advantaged accounts is in 2019. (And BTW, the max for IRAs will be $6,000, not $5,500.)
by House Blend
Fri Nov 09, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: Good explanation of how bond funds don't get crushed in rising rate environment
Replies: 64
Views: 6361

Re: Good explanation of how bond funds don't get crushed in rising rate environment

Thanks Nisprius, I had always thought of returns from my bond funds as interest rather than dividends. However I learned something from you today. If you hold your bonds in a fund rather than as individual bonds the returns are appropriately characterized as dividends. Sorry for continuing this OT ...
by House Blend
Thu Nov 08, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10885

Re: Favorite "free stuff"?

Software....

....from the OS on up. Most of what I need I get here
https://www.centos.org/download/
or here
https://dl.fedoraproject.org/pub/epel/
by House Blend
Fri Nov 02, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]
Replies: 53
Views: 4002

Re: When do YOU pull the trigger for TLH?

And if the replacement fund drops by $300 the following week? And the replacement for that drops $300 the following week? I worry about my portfolio getting cluttered with a lot of non-substantially identical funds. My threshold is $500, if I can move to an existing fund, and $2000, if I have to in...
by House Blend
Mon Oct 29, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Moving positions between taxable, tax-advantaged, & tax-free accounts
Replies: 3
Views: 495

Re: Moving positions between taxable, tax-advantaged, & tax-free accounts

In retirement, if your equities are mainly in taxable and your bonds in tax-advantaged, then when you need to raise spending cash, you sell equities in taxable and use bonds in tax-advantaged to buy those equity positions back (assuming you want to keep those positions). I’m currently in this posit...
by House Blend
Wed Oct 24, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting and dividend distribution
Replies: 3
Views: 535

Re: Tax loss harvesting and dividend distribution

The ideal situation when harvesting from A to B is to do it all in one day, with that day cleverly chosen to be after B's distribution and before A's. The distribution in effect gets converted into unrealized cap gains. But it's not always easy to find a suitable B compatible with A in the above sen...
by House Blend
Sun Oct 07, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3885
Views: 1085981

Re: What Movie Have You Recently Watched?

Beirut (2018). A good spy thriller set in Beirut (mostly) during the early 1980s before the Israeli invasion. It's not a James Bond/Jason Bourne type thriller, but rather in the mold of le Carre. That is, no heroics but plenty of character flaws and shifting alliances. Change the CIA to MI-6 and re...
by House Blend
Sun Oct 07, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Do I understand capital loss and carryover correctly?
Replies: 3
Views: 423

Re: Do I understand capital loss and carryover correctly?

It's more complex than that. There are two kinds of losses you must keep track of, long and short. At tax time, you add up your net short term gains and losses for the year and combine them with any carried over short term losses. Then do the same for long term. If one is positive (gains) and the ot...
by House Blend
Fri Oct 05, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: IRA's and Taxes
Replies: 6
Views: 568

Re: IRA's and Taxes

Thanks. So I am taking it as Roth distributions do not count towards income. In other words in this scenario when filing taxes I would only show 50K of income? Correct? Mostly correct. There are scenarios where you could pay penalties or Federal taxes on Roth withdrawals. But as long as you are at ...
by House Blend
Thu Oct 04, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Equities in taxable account, Bonds in IRA, which to withdraw when Stock Market is down?
Replies: 7
Views: 760

Re: Equities in taxable account, Bonds in IRA, which to withdraw when Stock Market is down?

Myself having only taxable accounts, I am not super familiar with IRAs. So aside from rebalancing, which I understand, you are suggesting selling stocks (total domestic stock index) from the taxable funds, even when the market is down, is preferable to selling bonds from the IRA funds after the RMD...
by House Blend
Thu Oct 04, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Equities in taxable account, Bonds in IRA, which to withdraw when Stock Market is down?
Replies: 7
Views: 760

Re: Equities in taxable account, Bonds in IRA, which to withdraw when Stock Market is down?

First, the equity funds in taxable should be set to distribute dividends in cash, not reinvested. Second, you need to separate the question of which account to tap versus the question of which asset class to tap. And you (or rather the anonymous "someone") should not let the relative sizes of your a...
by House Blend
Tue Oct 02, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: Paying expenses out of pocket in tax-advantaged accounts?
Replies: 11
Views: 1305

Re: Paying expenses out of pocket in tax-advantaged accounts?

I don't know how much it can impact someone's portfolio performance but even some VG funds have 0.30 - 0.45% ER. I was wondering if those could be paid by billing the investor so that expenses are not taken out of contributions. It was not clear to me how the ER's are taken out of the accounts. In ...
by House Blend
Fri Sep 28, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: VG PAS Recommendations - Surprised/Disappointed?
Replies: 27
Views: 2924

Re: VG PAS Recommendations - Surprised/Disappointed?

For the 3 muni bond funds (about equal weight of each), long-term is there because it has a higher yield. But, they acknowledge that brings more risk so they add limited term to balance with a target duration of intermediate. I have to admit I see no logic here unless they are trying to time the ma...
by House Blend
Wed Sep 26, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: Digging deeper on advisability of Roth Conversions
Replies: 37
Views: 3325

Re: Digging deeper on advisability of Roth Conversions

Does it make sense to add to tax deferred accounts while doing Roth Conversions? While it's true that contributing $10K to tax-deferred and converting $10K to Roth at the same time looks like a two step solution to a one step problem, there can be advantages to separating the events in time. In an ...
by House Blend
Sun Sep 23, 2018 7:28 am
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 48
Views: 4810

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

FWIW, I harvested losses from VWIUX on Tuesday this week. I exchanged it for a 2:1 mix of Long Term and Limited Term Tax Exempt. This ratio approximates both the current yield and duration of Intermediate. Good idea! I also harvested...all to Lim. Term Tax Exempt. Maybe next time... House Blend...t...
by House Blend
Fri Sep 21, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 48
Views: 4810

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

I need to TLH since I'm down over 1% and was just deciding tonight whether the time was right. Was going to swap into MUB (iShares IM Term Muni ETF; ER 0.07). Slightly higher credit quality (AA instead of A) and slightly longer duration (6.0 instead of 5.1 years) but they have tracked pretty closel...
by House Blend
Fri Sep 21, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 48
Views: 4810

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

I need to TLH since I'm down over 1% and was just deciding tonight whether the time was right. Was going to swap into MUB (iShares IM Term Muni ETF; ER 0.07). Slightly higher credit quality (AA instead of A) and slightly longer duration (6.0 instead of 5.1 years) but they have tracked pretty closel...
by House Blend
Fri Sep 21, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 48
Views: 4810

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

Bonus dividends. As VWLTX has a lower price than VWITX, you'll buy more shares for the same purchase. Meaning, you'll earn bonus dividends from the additional shares purchased. This is nonsense. Comparing prices between two mutual funds is absolutely meaningless. Any "bonus" dividends that VWLTX is...
by House Blend
Fri Sep 21, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 3146

Re: Simple-minded sayings?

libralibra wrote:
Thu Sep 20, 2018 11:45 am
A pithy saying doesn't really provide much analysis or end a debate.
Pfft. Looks like you missed the opportunity to respond in kind:

"A witty saying proves nothing."


https://en.wikiquote.org/wiki/Voltaire
by House Blend
Sat Sep 15, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Upper six-figures portfolio & tax management part 2
Replies: 18
Views: 2705

Re: Upper six-figures portfolio & tax management part 2

1-3. I will stop the dividend reinvestment. My RMDs + annual taxable dividends are currently ~$14k. Obviously this will increase as the Life Expectancy Factor decreases. Good estimate. I do need to replace the lost income from 401k contributions. Lifestyle creep I guess. I don't think I can max the...
by House Blend
Fri Sep 14, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Upper six-figures portfolio & tax management part 2
Replies: 18
Views: 2705

Re: Upper six-figures portfolio & tax management part 2

1-3. I will stop the dividend reinvestment. My RMDs + annual taxable dividends are currently ~$14k. Obviously this will increase as the Life Expectancy Factor decreases. Good estimate. I do need to replace the lost income from 401k contributions. Lifestyle creep I guess. I don't think I can max the...
by House Blend
Wed Sep 12, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 78
Views: 7180

Re: Wash sale question- are ITOT and VTI Substantially Identical?

Bigfoot and the Chupacabra are alive and well I see. There is no "context" of active mutual funds in the IRS publication and language I provided. Again - "making things up". You seem to be forgetting that IRS Publications are not tax law. Just today in another thread I pointed out a special case in...
by House Blend
Wed Sep 12, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Upper six-figures portfolio & tax management part 2
Replies: 18
Views: 2705

Re: Upper six-figures portfolio & tax management part 2

Some of this has already been said: 1. Do not auto-reinvest dividends in taxable. 2. Add the cash flow from those dividends to the cash flow from RMDs generated by the inherited IRAs. That's maybe $16K/year ballpark. 3. Unclear whether you are maxing out your 401(k) + Roth IRA. Do that. Use the extr...
by House Blend
Wed Sep 12, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Avoid unqualified dividends by selling a lot too quickly when TLH.
Replies: 7
Views: 1341

Re: Avoid unqualified dividends by selling a lot too quickly when TLH.

As long as 9/13 is before the record date for Q3 dividends, you should be ok, but I would only sell if I could sell at a loss. Thanks House Blend. This Vanguard page lists the upcoming dividend schedule and uses the term declaration date. This Vanguard page lists historical dividend dates and uses ...
by House Blend
Wed Sep 12, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Short-term Treasury vs. Limited-Term Tax-Exempt
Replies: 18
Views: 2102

Re: Short-term Treasury vs. Limited-Term Tax-Exempt

The only reason I might keep a few shares of VMLUX is that of the last six months of reinvested dividends, there are losses on the most recent three months. The amounts are trivial, but I'd rather not mess around with the tax accounting regarding losses on shares bought within six months. That's a ...
by House Blend
Mon Sep 10, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 971
Views: 104688

Re: [What TV Show Have You Recently Watched?]

...Next up - Mad Men , on Netflix. I rarely go for pure drama, meaning it's not sci-fi or an action-packed thriller (Breaking Bad, etc.). The over-emphasized stereotypical gender discrimination (to put it mildly...) got me annoyed, as I think it was unrealistic. However, I can see why this series w...
by House Blend
Mon Sep 10, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 971
Views: 104688

Re: [What TV Show Have You Recently Watched?]

Sons of Anarchy. Watched the first two episodes, then stopped... I couldn't see how this plot is going for 7 seasons. The same could be said for Breaking Bad . And yet... SOA has many similarities with BB. It takes a few episodes to get into the plot and character development. Admittedly Ron Perlma...
by House Blend
Wed Sep 05, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 10040

Re: What will you do when you find you have more money than expected?

The Barenaked Ladies have this all figured out.

Among their suggestions:
* switch to Dijon Ketchup
* buy her a fur coat (but not a realfurcoat that's cruel)
by House Blend
Wed Sep 05, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: Wash sale question
Replies: 11
Views: 618

Re: Wash sale question

I have shares of VTIAX purchased last week in my IRA. If I sell all of those shares on the same day I sell the VTIAX in my taxable account, does that create a wash sale? I was assuming that since all the shares are being sold on the same day, no shares would exist after the sale to be considered re...
by House Blend
Tue Sep 04, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Is it correct, not to make a non-tax deductible IRA contribution ?
Replies: 12
Views: 910

Re: Is it correct, not to make a non-tax deductible IRA contribution ?

It was stated in another thread that: Taxable investments have always been and are far preferable to making non-deductable(sic) contributions to a traditional IRA that you can not convert to a Roth IRA or did not even exist. I have been contributing to my traditional IRA for years, even during the ...
by House Blend
Tue Sep 04, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: Roth conversion with future RMD and SS
Replies: 28
Views: 2582

Re: Roth conversion with future RMD and SS

Agreeing with the OP, marginal rates don't always tell the whole story. Roth conversion decisions would be much easier in a world where your marginal tax rate cannot decrease with increased income. For better or worse, that's not the world we live in. The rules governing taxation of SS creates one o...
by House Blend
Mon Sep 03, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Roth conversion with future RMD and SS
Replies: 28
Views: 2582

Re: Roth conversion with future RMD and SS

Recently I was doing some calculations looking at the effect of Roth conversions on taxation of RMD's and SS. My situation is that I have other income in retirement that puts me in the 12% tax bracket. With my current portfolio size (and associated RMD's) and expected SS, I expect to be in the 12% ...