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Old 05-25-2023, 03:45 PM
  #11  
Gunfighter
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Originally Posted by Jughead135 View Post
Does that take into account the tax-advantaged nature (deferred taxation)? You mention the lower tax rate expectation; what about avoiding current-year taxation on growth until withdrawal (at that expected lower tax rate)? I'm a big believer in maxing out tax-advantaged accounts....

I don't know anything (yet) about this investment vehicle (LIRKX--thanks to the OP for looking up the code), but, assuming it's at least middle-of-the-road, I suspect the tax treatment could make this more valuable than some critics would have us believe.
Be careful letting the tail wag the dog on retirement investing. Taxes are only one aspect. Return, liquidity and allocation are also important. If the DC excess is going into a similar investment regardless, then there is tax benefit. If the DC excess will be invested differently than the MBCBP plan fund the tax advantage loses validity.

Gunfighter opinion:
High income earners hitting the plan max should be investing in real estate. It is a great vehicle for storing wealth and creating retirement income.

YMMV DYODD BWYWWWYB Retirement is closer than you think it is.
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