10-14-2020, 07:41 AM
(10-14-2020, 12:14 AM)Apoc Wrote: Yeah, everyone's gotta make that call for themselves. Really my point is understand your tax situation and don't be afraid to take the reins. I tend to adjust future investments way more than I rebalance current.You tha real mvp, you described it much more eloquently than I could
Realistically speaking, long term capital gains now are at a 15% rate. The effective tax rate for $100k/year in pre-tax retirement is 18%. If you aren't paying taxes now (like I know you do), rebalances are probably close to a wash. What we were talking about, though, is moving money around to ensure you max on current growth. Moving money costs money. Hopefully the cost is lower than the extra growth!
Posting in the banalist of threads since 2004
2017 Mazda CX-5 GT AWD Premium
Past: 2016 GMC Canyon All Terrain Crew Cab / 2010 Jaguar XFR / 2012 Acura RDX AWD Tech / 2008 Cadillac CTS / 2007 Acura TL-S / 1966 5.0 HO Mustang Coupe
2001 Lexus IS300 / 2004 2.8L big turbo WRX STI / 2004 Subaru WRX / A couple of old trucks
2017 Mazda CX-5 GT AWD Premium
Past: 2016 GMC Canyon All Terrain Crew Cab / 2010 Jaguar XFR / 2012 Acura RDX AWD Tech / 2008 Cadillac CTS / 2007 Acura TL-S / 1966 5.0 HO Mustang Coupe
2001 Lexus IS300 / 2004 2.8L big turbo WRX STI / 2004 Subaru WRX / A couple of old trucks