I probably won't do a Roth conversion this year.... tIRA withdrawals instead to provide cash to payoff our mortgage. After them mortgage is gone I will get rid of my cash allocation so target AA will move from 60/35/5 to 65/35... essentially trading receiving 1.7% on cash to avoiding 3.375% on mortgage. I'll be below the 65% stock target initially but will drift up to it over time.
Since both tIRA withdrawals and Roth conversions reduce the tIRA at the same low-tax cost, it is six of one or a half-dozen of another to me.
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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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