View Poll Results: What % of your retirement stash is Taxable vs IRA, tIRA, 401k or Equivalents?
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100% Tax Deferred
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26 |
10.20% |
100 % Taxable
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5 |
1.96% |
80% Deferred 20% Taxable
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68 |
26.67% |
60% Deferred 40% Taxable
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42 |
16.47% |
50% Deferred 50% Taxable
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49 |
19.22% |
20% Deferred 80% Taxable
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35 |
13.73% |
Some Other Deferred/Taxable Split
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30 |
11.76% |
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Poll:What % of your retirement stash is Taxable vs IRA, tIRA, 401k or Equivalents?
01-28-2020, 08:11 AM
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#1
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 7,652
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Poll:What % of your retirement stash is Taxable vs IRA, tIRA, 401k or Equivalents?
I was just mulling over our 60% Taxable vs 40% Tax Deferred (tIRAs In our Case) Financial Nest Egg. I was just curious what other folks percentages were. Roth IRA falls into Tax Deferred for the ease of polling
This Poll is for Cash, Stock, Bond or equivalents. Not including Property, Homes, Cars, Tractors, Airplanes, Boats Etc.
It would help if votes were as close as possible as opposed to folks saying none fit my scenario, if that is the case, please do not vote.
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01-28-2020, 08:28 AM
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#2
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Dryer sheet wannabe
Join Date: Dec 2019
Posts: 11
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100% Tax deferred. At 24% federal and a 6% state tax bracket, no plans on changing that. (:
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01-28-2020, 08:33 AM
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#3
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Thinks s/he gets paid by the post
Join Date: Aug 2015
Posts: 1,890
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How do we account for Roth IRAs? 40% tax deferred, 35% taxable, 25% tax free.
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Consistently sets low goals and fails to achieve them.
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01-28-2020, 08:34 AM
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#4
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Thinks s/he gets paid by the post
Join Date: Nov 2006
Posts: 1,635
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I'm assuming you're wanting Roth money to go in the tax deferred line - even though it's not tax deferred, it's tax free?
Using that criteria, I'm unfortunately around 90% tax deferred.
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01-28-2020, 08:38 AM
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#5
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 7,652
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I would put Roth IRA in Tax Deferred for simplicities sake. Update OP.
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"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
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01-28-2020, 08:38 AM
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#6
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Thinks s/he gets paid by the post
Join Date: Aug 2006
Posts: 1,558
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We are about 85% tax deferred.
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01-28-2020, 08:42 AM
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#7
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Thinks s/he gets paid by the post
Join Date: Apr 2008
Posts: 1,991
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Strange. You state mulling over a 60% Taxable plus 40% Tax Deferred allocation, yet you don't have it listed in the poll. That's about where we're at, primarily because our move from Silicon Valley (CA) to central Texas in late 2018 netted us quite a bit of cash (post capital gains taxes) after the sale of our CA house and purchase of a TX house.
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01-28-2020, 08:44 AM
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#8
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,020
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15% Deferred (tIRA)
24% Taxable (After-tax investments)
61% Tax free (Roth)
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Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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01-28-2020, 08:46 AM
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#9
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Recycles dryer sheets
Join Date: Jun 2013
Location: Chattanooga
Posts: 497
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Quote:
Originally Posted by PatrickA5
I'm assuming you're wanting Roth money to go in the tax deferred line - even though it's not tax deferred, it's tax free?
Using that criteria, I'm unfortunately around 90% tax deferred.
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I also find this a problem. I'm 55/30/15 tax-deferred/tax-free/taxable. I followed your advice and chose the 80/10 split in your poll, but I think you should want tax-free money aligned with taxable (lower tax on gains is more in line with tax free money than it is with ordinary income rates on tax deferred).
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Currently SKI-ing (spending the Kids' Inheritance)
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01-28-2020, 08:46 AM
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#10
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2016
Location: Colorado
Posts: 8,971
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Just about half and half.
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01-28-2020, 08:49 AM
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#11
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,201
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When I retired at the end of 2011, I was 44% taxable, 53% tax-deferred and 3% tax-free.
Since then I have done lots of Roth conversions which moves funds from tax-deferred to tax free and until a couple years ago we used taxable for spending and taxes on Roth conversions.
Today we are 18% taxable, 55% tax-deferred and 27% tax-free. Taxable has stayed the same because growth has exceeded Roth conversions.
I recently changed tactic and we are leaving taxable alone so I expect that it will grow wih equity returns (and hopefully eventually get a stepped-up basis so unrealized appreciation is never taxed). Tax-deferred will decline slightly as a result of annual Roth conversions exceeding interest income and tax-free will grow steadily as equity returns and annual Roth conversions exceed withdrawals for spending.
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If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
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01-28-2020, 08:51 AM
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#12
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2013
Location: Limerick
Posts: 5,633
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We’re 50-50. It’s working out nicely for us.
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01-28-2020, 08:56 AM
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#13
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,150
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Not sure which button to vote with, other covers a lot of ground? About 30% tax deferred but that’ll mostly be tax free in 5-7 years.
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No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57
Target AA: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
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01-28-2020, 08:59 AM
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#14
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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We had an extensive poll on this not long ago, I think.
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Retired since summer 1999.
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01-28-2020, 09:14 AM
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#15
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,000
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Quote:
Originally Posted by audreyh1
We had an extensive poll on this not long ago, I think.
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Yep.
http://www.early-retirement.org/foru...ed-100411.html
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Numbers is hard
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01-28-2020, 09:19 AM
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#16
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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Quote:
Originally Posted by REWahoo
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Much thanks!
OP - your answers have already been collected at the link above. And most folks were higher than 40% tax deferred.
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Retired since summer 1999.
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01-28-2020, 09:25 AM
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#17
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2008
Posts: 5,170
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69% tax-deferred. I didn't vote.
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01-28-2020, 11:47 AM
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#18
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Posts: 4,366
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50%, but currently spending taxable, so eventually close to 100% tax-deferred.
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01-28-2020, 11:55 AM
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#19
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Thinks s/he gets paid by the post
Join Date: Jan 2017
Location: Des Moines
Posts: 1,371
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Too much for me! One of my mistakes....I was too anxious to tax defer.
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Retired in 2013 and we are living the dream!
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01-28-2020, 11:57 AM
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#20
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2016
Posts: 8,968
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I'm spending down the IRA while tax rates are low.
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