If you retire at 61, you may begin some lower income years, maybe with some room in the 0% LTCG bracket -making it easier for you to deal with the funds with the longer break-even periods. Maybe you'll retire even earlier than that.6 of 10 should be converted with break-even points of 8, 12, 13, 22, 23, and 29 years. I’m not sure which I think is more likely, so I may hedge and convert the 3 funds that break even in less than 20 years in the second scenario and leave the rest in the American Funds.
Statistics: Posted by mhadden1 — Fri Nov 28, 2025 1:57 am — Replies 6 — Views 581