If you do intend to perform Roth conversions, you should probably implement a single, lump sum distribution to a traditional IRA and then convert a portion of it to Roth each year.
You should also consider an appropriate lifecycle fund vice Wellseley or Wellington since neither hold much for international stocks.
How about between 59 1/2 and 70 years old, converting them into Roth IRA (rollover to tradi. IRA and convert IRA)? them no RMD worry.
-----Original Message-----
From: Scotty Cox sjcx@cableone.net [TSP_Strategy] <TSP_Strategy@yahoogroups.com>
To: TSP Strategy <TSP_Strategy@yahoogroups.com>
Sent: Sun, Mar 27, 2016 8:19 am
Subject: Re: [TSP_Strategy] TSP Withdrawal Strategies
My wife will retire roughly 2 years before me(14 or 15 years from now). I'm thinking about rolling her TSP into a Vanguard fund like Vanguard Wellington or Vanguard Wellesley funds and drawing income right away to lessen the RMDs later on. I guess I'll need a CPA to help advise on the best strategies with taxes. Plus there is no telling what the TSP options will be in 15 years, it might be better to stay in the TSP by then.
From: "sticksandstones66@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com>
To: "TSP Strategy" <TSP_Strategy@yahoogroups.com>
Sent: Saturday, March 26, 2016 10:14:16 PM
Subject: Re: [TSP_Strategy] TSP Withdrawal Strategies
When I started as a government engineer, I was told by the HR person if I hustled I could catch CSRS if I reported immediately. I was very young then and arrogant and I didn't, I delayed several months. I envisioned my future temporary.
Well it wasn't and life certainly isn't easy today as you think it will be when you are in your twenties. In fact its pretty complicated.
Posted by: Allen Green <gtwhitegold@gmail.com>
| Reply via web post | • | Reply to sender | • | Reply to group | • | Start a New Topic | • | Messages in this topic (46) |
Belum ada komentar untuk "Re: [TSP_Strategy] TSP Withdrawal Strategies"
Post a Comment