It also depends on investment returns. But what is unknowable is how to optimize the deterministic outcome. But optimizing the outcome probabilistically can be done if some plausible assumptions are made about future tax rates, future earned income, and future investment returns.The uncomfortable truth is that the "right" answer depends on the unknowable, most importantly your future marginal capital gains rate, but also the state and federal income tax rates through your career.
We tend to anchor our thinking around our past choices. I suspect the idea that whether or not to put bonds in a Roth account depends on yield will take a while to start gaining acceptance on BH.
Statistics: Posted by Northern Flicker — Sat Aug 24, 2024 2:42 pm — Replies 47 — Views 3359
