K****D
发帖数: 30533 | 1 Ray was against both things.
1) Some WSJ guy wrote an article to recommend Roth conversion
in 2010. The problem is he recommended some 64 year old guy
to do it. Ray objected it strongly and said a lot of numbers.
I couldn't follow all. But I think it is not logical for someone
that old to convert. I don't see benefit.
2) Some financial planner recommended the following strategy:
On Jan 1, diversify the traditional IRA with a bunch of stocks/
MFs. On Dec 31, pick the least performing one, cash it | s******e
发帖数: 15 | 2 Main potential benefit would be to lock-in the tax liability. For somebody
whose income might go higher after retirement, or has low earned income in
2010, it might make sense. The truth is that nobody know where tax rate
would be 10 years from now. So locking-in provides a degree of certainty.
Sounds like a good trick to earn a few bucks of commission for the planner.
No benefit for the investor can be seen. At the year end, whatever you have
in the account, it's there. A winner stock has no di | K****D
发帖数: 30533 | 3 The WSJ guy's main point is that that 64 year old can save
some taxes on his SS benefit after he turns 70.5. The old
guy is expected to have no other income at that time and he
has a half million traditional IRA.
【在 s******e 的大作中提到】
: Main potential benefit would be to lock-in the tax liability. For somebody
: whose income might go higher after retirement, or has low earned income in
: 2010, it might make sense. The truth is that nobody know where tax rate
: would be 10 years from now. So locking-in provides a degree of certainty.
: Sounds like a good trick to earn a few bucks of commission for the planner.
: No benefit for the investor can be seen. At the year end, whatever you have
: in the account, it's there. A winner stock has no di
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