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Your invested assets: taxable vs TIRA/401k vs Roths
Old 01-15-2014, 10:55 PM   #1
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Your invested assets: taxable vs TIRA/401k vs Roths

I know from experience that there will always be some ambiguity in a question, no matter how hard I try to be specific. What I am looking for here, and thought others might also find interesting, is of all your investable assets, what portion are subject to taxes on their earnings and capital gains (taxable accounts), what portion deferred taxes, such as 401K or TIRA, and what part free of any tax liability under current law, such as Roth or Roth 401K?

My breakdown is 76% taxable, 16 % TIRA, and 8% Roths.

Ha
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Old 01-15-2014, 11:04 PM   #2
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82% taxable

18% tax deferred

0% tax free.
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Old 01-15-2014, 11:06 PM   #3
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I currently have about 30% of my retirement assets in Roth (because they made 401/403 available while I was still working, and I went all in).
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Old 01-15-2014, 11:06 PM   #4
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My breakdown is:
76.4% in taxable accounts, 23.6% in tax deferred accounts and 0% free of any tax liability. (darn it!)

I did not qualify for Roths and have not done Roth conversions since my tax rate was so high and the conversion calculation takes all deferred money into it. Not sure my tax rate will ever be lower but I'm on the look out for it this year and going forward.

Good question Ha!
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Old 01-15-2014, 11:13 PM   #5
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Not including investment real estate: 80% taxable, 20% tax-deferred, 0% tax-free.
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Old 01-15-2014, 11:18 PM   #6
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Taxable accounts: 78%. Tax deferred: 22% Tax free: 0.

No real estate or NPV of small pension included.
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Old 01-15-2014, 11:23 PM   #7
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I'm about 50/50 between 401k and taxable index funds. I'm 35, and trying to catch up on retirement savings so I can glide down to early retirement as soon as possible.

One of my open questions ... given that I can't (easily) touch the 401k 'till retirement age ... should I just make minimum contributions to get company matching or max it out, even though it means making fewer contributions to my taxable index funds?

I'm not quite sure how to model the safe withdrawal rate given that I probably shouldn't touch the 401k bit 'till I'm older.
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Old 01-15-2014, 11:25 PM   #8
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50% taxable
44% defered
6% tax free

Wish I had more in the Roth.
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Old 01-15-2014, 11:35 PM   #9
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Quote:
Originally Posted by RetireAbroadAt35 View Post

One of my open questions ... given that I can't (easily) touch the 401k 'till retirement age ... should I just make minimum contributions to get company matching or max it out, even though it means making fewer contributions to my taxable index funds?
.

I wish I'd had a match. You should take it, assuming you will be around long enough to vest.

Near the end for me I was selling taxable funds to make up income as I was plowing a lot into 403 and 457.
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Old 01-15-2014, 11:35 PM   #10
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48% taxable
48% tax deferred
4% tax free

Would convert to Roth if not for college cost on the near horizon.
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Old 01-16-2014, 12:02 AM   #11
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1% taxable

99% tax deferred
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Old 01-16-2014, 12:08 AM   #12
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40% taxable; 52% tax deferred; 8% tax-free

I was late to the Roth/HSA party, but with annual Roth conversions the tax-deferred will decline and the tax-free will increase. Taxable will decline with living expense withdrawals and paying taxes on Roth conversions. I expect to be tilted towards tax-free when SS starts.
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Old 01-16-2014, 12:09 AM   #13
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Current Taxable: 34.5%, Current Tax-Deferred: 65.5%
Projected at Retirement (2017): Taxable: 44.6%, Tax-Deferred: 55.4%
They just opened up Roth's, and Roth conversions, within my 401K this year so I am currently looking into that to see if it would be best for us in the long-run so may end up with Tax Free also. Plan on also doing some Roth conversion after we retire in 2017 (age 50) to 2027 etc.
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Old 01-16-2014, 12:19 AM   #14
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53% taxable, 47% tax deferred, 1% tax-free

The 1% in roth came when I was eligible to contribute during grad school. Haven't been able to since then.
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Old 01-16-2014, 12:33 AM   #15
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10% taxable
62% tax deferred
28% tax free

The tax deferred portion is already starting to decline, since I've begun regular monthly distributions from my 457 plan.
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Old 01-16-2014, 12:59 AM   #16
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74% tax deferred
23% taxable
3% Roth

By the way, I made a poll a while back asking the same question, but without the Roth option. The response distribution is nearly evenly spread out from 0% taxable to 100%.

See: Percentage of Taxable Money in Portfolio
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Old 01-16-2014, 06:58 AM   #17
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44% taxable
49% tax deferred
7% Roth
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Old 01-16-2014, 07:55 AM   #18
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88% tax deferred
8% taxable
4% Roth
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Old 01-16-2014, 08:06 AM   #19
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63% taxable
37% tax deferred
0% tax free (but Roth conversions are under serious consideration)
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Old 01-16-2014, 08:08 AM   #20
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Join Date: Aug 2013
Posts: 19
Taxable: 19%
Tax Deferred: 71%
Tax Free: 10%

Will be looking to move $$ from Tax Deferred to Roth during retirement
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