Go Curry Cracker Forum

Go Curry Cracker => General Discussion => Topic started by: Paul1011 on March 24, 2022, 04:38:24 PM

Title: Roth or Taxable Account
Post by: Paul1011 on March 24, 2022, 04:38:24 PM

Sorry if already asked, but could not find it.

If we plan on "trying" to stay in the 0% capital gains rate upon retirement, wouldn't it make sense now to put more into our taxable account versus our Roth IRA account?

Title: Re: Roth or Taxable Account
Post by: gocurrycracker on March 25, 2022, 10:19:14 AM

Maybe. This is the general idea behind these posts:
https://www.gocurrycracker.com/roth-sucks/
https://www.gocurrycracker.com/roth-hypocrisy/

Something to consider:
IRA contribution limits are ~$6k/person/year. If you are aiming for investments worth $1 million+, where you put $6k at the end probably doesn't matter that much