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The author here concludes that the safe withdrawal rate for a 30 year retirement using Target Date funds is well below the accepted 4% rule because they do not re-balance to maintain a 50/50 portfolio. Most stop around 40/60. His argument seems sensible. If he's correct, I might have to make...

When I run the ORP retirement planner, it provides a schedule for conversion of traditional IRAs to Roth IRAs with the intent to maximize after-tax income over the period of the plan. Are any of you following this advice? Thanks in advance for your thoughts :)