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View Poll Results: What % of your retirement stash is Taxable vs IRA, tIRA, 401k or Equivalents?
100% Tax Deferred 26 10.20%
100 % Taxable 5 1.96%
80% Deferred 20% Taxable 68 26.67%
60% Deferred 40% Taxable 42 16.47%
50% Deferred 50% Taxable 49 19.22%
20% Deferred 80% Taxable 35 13.73%
Some Other Deferred/Taxable Split 30 11.76%
Voters: 255. You may not vote on this poll

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Old 01-29-2020, 11:15 AM   #41
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Quote:
Originally Posted by ShokWaveRider View Post
The object was to get a "general" idea. Why not just pick the closest? No need to be so picky / perfect.

Remember, this is a forum with a bunch of INTJ folks.
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Old 01-29-2020, 11:24 AM   #42
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Location: Texas
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We are currently 30% taxable, 55% tax-deferred, and 15% tax-free (Roth + HSA).

The plan is to convert to the top of the 22% bracket for the next 10-11 years. So according to my spreadsheet projections... by 70, we should be around 10% taxable, 20% tax-deferred, and 70% tax-free.
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Old 01-29-2020, 11:35 AM   #43
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Quote:
Originally Posted by jollystomper View Post
Remember, this is a forum with a bunch of INTJ folks.
Can you just imagine what a mess it would be they were allowed them to put in/add their own option(s).
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Old 01-29-2020, 06:01 PM   #44
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77% tax deferred, 20% taxable, and 3% Roth after 3 years of retirement spending from taxable and doing Roth conversions up to the ACA Cliff.

At retirement 3 year ago it was 73% tax deferred, 27% taxable, and 0% Roth.

Lump sum value of pension is included in tax deferred amounts.
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Old 01-29-2020, 07:30 PM   #45
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Quote:
Originally Posted by ShokWaveRider View Post
The object was to get a "general" idea. Why not just pick the closest? No need to be so picky / perfect. "Take a Chance".
Did you look at the recent linked poll? That was a well designed poll, and as a consequence it gained many participants who didnít have to vote other, and it gave a very complete view of folks taxable/tax deferred breakdown.

It also answered your question.
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Old 01-29-2020, 07:44 PM   #46
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Posts: 90
54% Deferred (tIRA)
42% Taxable (After-tax investments)
4% Tax free (Roth)
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Old 01-29-2020, 09:15 PM   #47
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98% Taxable (i.e. taxes already paid)

2% - Tax deferred.

I just answered 100% Taxable.
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Old 02-04-2020, 05:40 PM   #48
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We're about 90 tax deferred and 10 taxable - about $1.1M tax deferred and about 100K in cash/savings/money markets..
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Old 02-04-2020, 07:02 PM   #49
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By the end of this year, we'll be m/l 100% tax deferred and Roth. Not unhappy with that at all, given our marginal rates when working.
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Old 02-04-2020, 09:43 PM   #50
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Thanks to the gal's IRA we are at about 7.8% tax deferred using your criteria. About 3.5% if we include income producing property. Tax man loves us bigly.
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Old 02-04-2020, 10:35 PM   #51
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34.5% Taxable
36.3% SEP
22.6% IRA
6.5% Roth
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Old 02-05-2020, 07:55 AM   #52
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54% deferred (including Roths)
46% Taxable
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Old 02-05-2020, 04:34 PM   #53
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I am at 60%, and have been taking RMD's for 10 years. But, the balance keeps growing.Below is a plot of my RMD's
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File Type: png Annotation 2020-02-05 142819.png (13.1 KB, 27 views)
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Old 02-05-2020, 07:14 PM   #54
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Not quite 100% tax deferred, but well above 90%
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Building ROTH
Old 02-12-2020, 12:29 PM   #55
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Building ROTH

75% Deferred (tIRA)
10% Taxable (After-tax investments)
15% Tax free (Roth)

Building Roth with taxes paid from RMD from inheritance, while
converting within a 401k to ROTH.

any input? keep building?
Retired, ~$2M, 60yrs
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Old 02-12-2020, 01:49 PM   #56
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Quote:
Originally Posted by Souschef View Post
I am at 60%, and have been taking RMD's for 10 years. But, the balance keeps growing.Below is a plot of my RMD's
Yeah, it’s really tough drawing down those IRAs in a long bull market!

I know you’re good at spending BP the proceeds too!
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Old 02-12-2020, 02:16 PM   #57
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We're on the wrong side of the asset allocation equation compared to everyone here. The only thing that helps is having a large enough nest egg to where it may not matter. DW (67) SS plus my (61) pension is almost enough to cover all expenses. WR is less than 0.5% and may become even less (or 0%) when I start SS for myself (combination of more income plus lower medical premiums @65 - my under 65 medical plan is costly).
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Old 02-12-2020, 02:27 PM   #58
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3% cash
20% commercial real estate
35% combined 401(k) & Roth
42% taxable
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