Long Story short: I've been reworking my FIRE numbers looking to see if I can manage retirement sometime between 56 to 59 (Currently 51). My plan requires a bridge from Retirement to 65 that minimizes MAGI for max ACA subsidies. I have a significant capital loss carryforward that will likely reduce my capital gains to $0 MAGI across much of that bridge. My intention is to use ROTH conversions as the lever to maintain income for ACA purposes.
In order to do that successfully, I need to minimize Interest and Dividend income during that bridge such that my income sources are predominantly after tax capital gains.
Looking for some suggestions on investments that meet this criteria. I'm fairly risk adverse, and want to maintain some capital preservation in the event of a down market during the "bridge".
After tax nest egg will be in the 500-750k range. Anticipate yearly expenses to be roughly 75k/yr during the bridge
In order to do that successfully, I need to minimize Interest and Dividend income during that bridge such that my income sources are predominantly after tax capital gains.
Looking for some suggestions on investments that meet this criteria. I'm fairly risk adverse, and want to maintain some capital preservation in the event of a down market during the "bridge".
After tax nest egg will be in the 500-750k range. Anticipate yearly expenses to be roughly 75k/yr during the bridge