I agree that what you're describing is basically what I'm trying to estimate. The question is once I do estimate it, what stock/bond allocation in Traditional that then means I should have. But overall it sounds like people agree that it's reasonable in general that I consider having a little bit more stocks in the Traditional than I otherwise would for this purpose. My mind just keeps going back to 80% bonds/20% stocks for some reason. It just feels like the right compromise point.I think what you are describing is reasonable, especially if it brings you some piece of mind that you're setting yourself up to have options in the future. I would try to estimate (the best you can) how many years you might need to do such a conversion, how much you'd need to convert each year to get to the appropriate income level (e.g., 100% FPL), and how much of a premium tax credit you'd preserve by being able to do so. There will likely be other parameters at play too, such as inflation, assumed growth rates, etc. Create a spreadsheet to try to model your assumptions, and see where you land. It may or may not have a payoff. If you do that, I hope you'll post your approach and what you learn.
Statistics: Posted by GoldenBear17 — Sat Sep 27, 2025 3:21 pm — Replies 14 — Views 645