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View Poll Results: How much of your portfolio is tax deferred? - tIRA/401k/403b/457
0-10% 16 4.49%
10-20% 20 5.62%
20-30% 23 6.46%
30-40% 28 7.87%
40-50% 42 11.80%
50-60% 44 12.36%
60-70% 58 16.29%
70-80% 44 12.36%
80-90% 49 13.76%
90-100% 32 8.99%
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What percentage of your portfolio is tax deferred
Old 10-23-2019, 03:34 PM   #1
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What percentage of your portfolio is tax deferred

Prompted by this post in the discussion about Roth conversion strategies http://www.early-retirement.org/foru...ml#post2313910, it would be interesting to see how much of your stash is tax deferred -- IRA/401k/403b/457 - as that may drive some important decisions about post retirement strategies. Do you see your allocation as problem? And, if yes, do you have a plan to "tax diversify"?

I'll start - Our current breakdown is approximately 73% tax deferred, 7% tax free (Roth) and 20% taxable. While I'm happy to have saved a bundle in taxes while I was making those contributions, I'm not pleased with the gymnastics of getting the money out to maximize the tax arbitrage.
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Old 10-23-2019, 03:51 PM   #2
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tIRA not Roth, right?
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Old 10-23-2019, 03:52 PM   #3
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tIRA not Roth, right?
Yes. I'll try to edit the poll title.
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Old 10-23-2019, 04:13 PM   #4
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About 67% in tIRA. Working on conversions (in the 12% bracket), but don't expect to move the needle much (no need to discuss in detail here, with the other discussions on going). There will be a large tax torpedo. Into the 22-25% bracket at RMD age, higher as we get older or one passes.

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Old 10-23-2019, 04:19 PM   #5
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About 31% in TIRA, thanks to a lot of Roth conversion over the years. It was painful at times, but worthwhile. There was a one time special deal for a conversion in 2010. You could pay the taxes on it over the next two years. I took full advantage of that, and although it hurt to pay so much tax those two years, I'm glad I did it.
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What percentage of your portfolio is tax deferred
Old 10-23-2019, 04:20 PM   #6
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What percentage of your portfolio is tax deferred

Iím at ~50% tax-deferred in my retirement portfolio, all in a single IRA at Fidelity rolled over from a 403(b).

[ADDED] I didnít realize this was a poll but discovered you CAN participate in and see poll results from the mobile app. Nice.
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Old 10-23-2019, 04:50 PM   #7
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Quote:
Originally Posted by braumeister View Post
About 31% in TIRA, thanks to a lot of Roth conversion over the years. It was painful at times, but worthwhile. There was a one time special deal for a conversion in 2010. You could pay the taxes on it over the next two years. I took full advantage of that, and although it hurt to pay so much tax those two years, I'm glad I did it.
I really wish I'd have done that then. I had some reasoning for not doing it, but I don't think it was well thought out.
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Old 10-23-2019, 05:16 PM   #8
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I'm right at 80%, but I have an annuity that is annualized and making % deferred reductions monthly, so I voted 70-80%
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Old 10-23-2019, 05:31 PM   #9
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81% tax deferred, 18% tax free, 1% taxable. Never got into the ROTH conversions for a variety of reasons, and comfortable with the fact that we'll start drawing down some IRA money at some point and paying taxes on it. The IRA was a blessing when I learned about it in 1985 and it has served us well.
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Old 10-23-2019, 05:34 PM   #10
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I'm right at 30 percent so I didn't vote.
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Old 10-23-2019, 06:30 PM   #11
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83% tIRA, 14% after tax, 3% ROTH/HSA

I plan on converting up to the 12% bracket and possibly into the 22% bracket until the current law expires where my expectation is that the rates will revert to their previous levels. As we get closer to the expiration date, I'll know better how much I'm willing to convert into the 22% bracket.
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Old 10-23-2019, 06:36 PM   #12
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86% TIRA, 11% Taxable, 3% Roth
DGF will be converting to the top of the 12% bracket.
I need to keep my MAGI low for the ACA, so will be using a mix of Roth conversions, TIRA and Taxable spend down until 65 y.o.
Then converting hopefully much more to Roth until RMD's.
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Old 10-23-2019, 07:10 PM   #13
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80.5% tax-deferred, which I'm concerned is a bit high. I might have to wait until 55 to FIRE, otherwise all we'll have to carry us to 59.5 is the 19.5% (which is about 11% Roth and 8.5% taxable), and the Roth was what I wanted to save for last if I leave anything after I die.
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Old 10-23-2019, 07:16 PM   #14
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One quarter, 25%. Already started MRD's six years early.
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Old 10-23-2019, 07:24 PM   #15
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About 70% taxable, 30% tax deferred. No tax free
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Old 10-23-2019, 07:29 PM   #16
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60% tax-deferred. Thinking about doing conversions, but I haven't done an analysis to see if I benefit more by keeping income low to get ACA subsidies (beginning in 2020).
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Old 10-23-2019, 07:35 PM   #17
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Another good question to ask is how much of your taxable account is cap gains?
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Old 10-23-2019, 08:17 PM   #18
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I'm at a hair over 40% in my (rollover) tIRA. It is only that high because it has grown more quickly than my taxable account after I cashed out the company stock in my old 401k 11 years ago, instantly moving the tax-deferred/taxable split from 62/38 to 29/71. The 29% in the rollover tIRA very gradually rose through the 30s from 2009 through earlier this year, when it pierced the 40% mark.
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Old 10-23-2019, 08:32 PM   #19
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In a sense. I should not complain. I rolled over my 401K into a mutual fund in 2009. Today it is worth 5X the original value, and the RMD on it is hefty.
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Old 10-23-2019, 09:02 PM   #20
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62% tIRA, no Roth, 40% of taxable is CG, 19% of investable NW is CD/MMA with anticipated home purchase spring 2020. Cobra till November 2020 then managing MAGI for ACA.
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