Yes to the first 3 questions. I'm a big fan of NQDC, especially if you think you'll retire early.
No to #4 but hard to answer without knowing investment balances in qualified accounts and where your bonds are located. I prefer to have my NQDC account match my overall AA. The reason for this is because of the creditor risk. I don't want to lose my NQDC balance and lose my bonds at the same time.
#5 needs a lot more information to answer. Would need to see full financial picture and projected retirement date to know if ACA subsidies are in play. Also, depends how many years you'll be deferring that much into the NQDC. Eventually the 10 year payout will be above the income threshold amount for subsidies.
No to #4 but hard to answer without knowing investment balances in qualified accounts and where your bonds are located. I prefer to have my NQDC account match my overall AA. The reason for this is because of the creditor risk. I don't want to lose my NQDC balance and lose my bonds at the same time.
#5 needs a lot more information to answer. Would need to see full financial picture and projected retirement date to know if ACA subsidies are in play. Also, depends how many years you'll be deferring that much into the NQDC. Eventually the 10 year payout will be above the income threshold amount for subsidies.
Statistics: Posted by PowderDay9 — Thu Nov 27, 2025 12:54 am — Replies 1 — Views 187