That’s precisely the way to analyze this.This IOVA seems pretty easily understandable. You put post tax money in, you withdraw as income after 59.5 and avoid any tax drag between. The fees are well defined and the expense ratios are published. I understand the product fine, I’m trying to compare the outcome with the alternative which is plunking an extra 62.5k per year into taxable, paying the tax drag on any dividends, and paying capital gains when it comes out.
You might also build in some flexibility on tax rates, asset return rates, and age at withdrawal to see how different scenarios impact the results.
Statistics: Posted by Stinky — Mon Apr 01, 2024 12:53 pm — Replies 34 — Views 1692