Could you expand on what you mean by the Portfolio Visualizer backtests?> Option 2 : IRA Withdraw/conversion, SSA Survivor, Interest, Div = $258k MAGI - 14.6K std deduction.
Taxable Income = 243.4k (top of 32% tax bracket)
2026 - IRMAA Std X 3 .2 surcharge.
Marginal Tax 32%. Eff Tax with ACA included = 28.31%
Portfolio Visualizer Backtest (2014-2022) shows balance @ 2.6 mil after withdraws.
Portfolio Visualizer Backtest (2014-2024 current) shows balance @ 3.6 mil after withdraws.
Are you saying that your portfolio in 10 years, ie. 2034, after your IRA withdrawals, would be 3.6 million if a) you keep the same holdings and b) 2024 = 2014 and 2025 = 2015 and so on?
I get something like a 29% annual return doing that with a gross approximation of what you've laid out.
Have you tried running the numbers plugging in a more conservative annual return, like 7.25% across your entire AA?
Statistics: Posted by SantaClaraSurfer — Thu Mar 07, 2024 6:37 pm — Replies 1 — Views 79