Sentences with phrase «taxable accounts vs.»

Of further dissecting interest would be contrasting moving to low cost ETF's and mutual funds in taxable accounts vs. tax advantaged accounts.

Does one take a different strategy for bond investments in taxable accounts vs. retirement accounts?

FMF readers, any thoughts on a taxable account vs. adding to my 403 (b)?

Not exact matches

As for your question, a non-deductible Traditional IRA vs. a taxable account.

Roth vs. Traditional IRA Contributions — In recent years, we have moved up a rung or two on the federal tax bracket to the point where, in all likelihood, it will be higher than our taxable income in retirement (basically just expecting investment income on our taxable brokerage account and withdrawals from traditional retirement plans for income in retirement).

Taking money out of an IRA vs. a ROTH IRA vs. a taxable account can make a big difference when you are retired.

In a Taxable account the annuity's taxable benefits would be $ 2,787 for Prescribed vs. $ 4,372 (but falling) for Non-presTaxable account the annuity's taxable benefits would be $ 2,787 for Prescribed vs. $ 4,372 (but falling) for Non-prestaxable benefits would be $ 2,787 for Prescribed vs. $ 4,372 (but falling) for Non-prescribed.

Does it matter if the portfolio is in a taxable vs. tax - favored account?

It was only in comparing to muni bond funds that I discussed looking at after - tax yields, so it's not a matter of taxable vs. tax - advantaged accounts, but of the additional alternative of tax - exempt bonds in taxable accounts.

If you assume, for example, that the account owner faces a 35 % marginal tax rate while the beneficiary pays tax at a 15 % rate, then the traditional IRA plus taxable account beats the Roth by a somewhat wider margin of almost 3 %, or $ 349,000 vs. $ 340,000.

For example, if the account owner is in the 35 % tax bracket and the beneficiary is in the 28 % bracket — a difference of just seven percentage points vs. the 13 percentage points of dropping from a 28 % to 15 % tax rate — those two advantages are enough to put the conversion ahead of the traditional IRA plus taxable account by nearly 4 % after 20 years, $ 340,000 vs. $ 328,000.

So, for example, if you take the same scenario described above but assume the beneficiary is in a lower tax bracket — say, 15 % for the beneficiary vs. 28 % for the account owner — the traditional IRA plus taxable account comes out slightly ahead of the Roth, albeit the margin is small, about 1 %, or $ 344,000 vs. $ 340,000.

Let's assume I pose the following set of facts: 1) I need to plan for a 60 year retirement, 2) I want to have at the end of Year 60 100 % of my original balance (inflation adjusted obviously), 3) Only 10 % of my savings / investments is in tax deferred accounts (e.g., the bulk are in a taxable accounts), 4) I need a 6 % withdrawal rate pre-tax, and 5) I am indifferent to strategy (VII, etc) and asset choices (annuity vs. dividend blend vs. income, etc) but to guarantee the goals above.

Analyze a variable annuity: Input PV, current age, PMT, tax rate, surrender charges, withdrawal age, I, tax rate, and it calculates the long - term growth of taxable vs. tax - free account.

You can also see the difference in the savings, payout, and expense amounts needed with a Section 529 Qualified Tuition Plan vs. just saving in a taxable investment account.