Personal Investments • sequence of withdrawals during retirement--differing philosophies

"There are some articles on this subject that are also typically addressed by CFP's - here is one from Vanguard:
The traditional wisdom has been that higher future tax rates make conversion more desirable and lower ones make it less so. Vanguard researchers describe a break-even tax rate (BETR) that yields a more accurate view of what future tax rate would make an investor indifferent to a conversion."
Link...
https://institutional.vanguard.com/insi ... sions.html

Yes, that's exactly the issue mentioned in "Traditional plus taxable" vs. Roth.

I do not see bypassing the marginal rates to see what happens over the life of the accounts?
I do not see any simple tools which utilize margnal rates to achieve an answer.
Which tool does that in the toolbox?

Where does it not this in the Wiki?
"The traditional wisdom has been that higher future tax rates make conversion more desirable and lower ones make it less so. Vanguard researchers describe a break-even tax rate (BETR) that yields a more accurate view of what future tax rate would make an investor indifferent to a conversion."

Statistics: Posted by smitcat — Wed Jul 10, 2024 10:08 am — Replies 86 — Views 9601

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