S&P 500 Prediction 2025

[SecondCor521]

Perhaps next December I'll be able to do a $25,000 Roth conversion without getting into the next higher IRMAA tier.
We'll see...

The new senior bonus deduction should help unless your AGI is outside the phase out.

ETA: I see from the below post that you're outside the phase out. This year, anyway.

 

[TheWizard]

We won't even be able to think about Roth conversions for most likely at least 10 years, and probably more like 17 years unless something is done about healthcare. We're keeping our MAGI to $60K (48K after mandatory withholding) in order to get ACA subsidies. I'll turn 65 in 10 years, but DW's got 17 years until Medicare.

But once we're 65...

Well, just so you know, my AGI this year, at age 75, is around $207,000, filing Single, so I pay a fair amount of tax.

Never had ACA so can't comment much on that...

 

[RetiredHappy]

Well, just so you know, my AGI this year, at age 75, is around $207,000, filing Single, so I pay a fair amount of tax.

Never had ACA so can't comment much on that...

We kept our AGI to $265K this year, about $12K below projected Tier 2 of IRMAA. We hope to do better next year! We decided to stretch it a little this year because I will end up with only 2 months of IRMAA as I turn 65 in 2 years' time, while my husband who is already on Medicare will get his usual 12 months of IRMAA. So 14 months of punishment IRMAA is better than 24 months of IRMAA between the 2 of us.

 

[Enuff2Eat]

The results are in!

The S&P 500 closes the year at 6,845.50

Winning Division: Baby You're a Rich Man
Winning Guess for the Gold: SloHan, with 6,832, off by 13.50
Runners up:
Silver: UpQuark (6,764, off by 81.5)
Bronze: aaronc879, (6,750, off by 95.5)

Below is the final chart of the S&P 500 wanderings through the division during the year, with the guesses on the left in blue diamonds.

On to 2026!

View attachment 60828

I will combine these three folks, SloHan, UpQuark and aaronc879's SP500 2026 prediction.

Average them and use it as my own 2026's prediction. ..hihihi

Enuff

 

[Taco]

The S&P 500 closes the year at 6,845.50

Out of 55 guessers, only 2 were higher than the final close. Wow - what a year!