Minimum Balance Plan
11-16-2022 | 10:03 AM
#332
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Joined: Apr 2018
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11-16-2022 | 10:07 AM
#333
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11-16-2022 | 10:24 AM
#334
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Joined: Mar 2015
Posts: 13,223
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From: ir.delta.com
11-16-2022 | 10:29 AM
#336
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From: ir.delta.com
A small income generating low risk portion, which is part of a diversified retirement that tapers risk for security over time, yup. How much overage do think we will have when the income threshold is $330,000 and increases every year? If you are saying there's going to be overages for roughly the bottom half of the seniority list, you're wrong.
11-16-2022 | 10:33 AM
#337
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Do me a favor. Run the numbers on 100k invested pretax with whatever rate of return you want for 10 years. Then withdraw at a 30% tax rate. Then do the same thing with paying 30% tax up front, same growth rate for 10 years. Let me know which is better. I’ll give you a hint it’s exactly the same. You don’t gain anything by investing your taxes if the rate coming out is the same.
Of course there are other factors like capital gains and that’s where assumptions on rates of return and future tax brackets come in. But deferring just to defer is a fools errand.
11-16-2022 | 10:34 AM
#338
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Joined: Oct 2014
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A small income generating low risk portion, which is part of a diversified retirement that tapers risk for security over time, yup. How much overage do think we will have when the income threshold is $330,000 and increases every year? If you are saying there's going to be overages for roughly the bottom half of the seniority list, you're wrong.
11-16-2022 | 10:37 AM
#339
Gets Weekends Off
Joined: Mar 2015
Posts: 13,223
Likes: 670
From: ir.delta.com
hillarious.
Do me a favor. Run the numbers on 100k invested pretax with whatever rate of return you want for 10 years. Then withdraw at a 30% tax rate. Then do the same thing with paying 30% tax up front, same growth rate for 10 years. Let me know which is better. I’ll give you a hint it’s exactly the same. You don’t gain anything by investing your taxes if the rate coming out is the same.
Of course there are other factors like capital gains and that’s where assumptions on rates of return and future tax brackets come in. But deferring just to defer is a fools errand.
Do me a favor. Run the numbers on 100k invested pretax with whatever rate of return you want for 10 years. Then withdraw at a 30% tax rate. Then do the same thing with paying 30% tax up front, same growth rate for 10 years. Let me know which is better. I’ll give you a hint it’s exactly the same. You don’t gain anything by investing your taxes if the rate coming out is the same.
Of course there are other factors like capital gains and that’s where assumptions on rates of return and future tax brackets come in. But deferring just to defer is a fools errand.
11-16-2022 | 10:39 AM
#340
Gets Weekends Off
Joined: Mar 2015
Posts: 13,223
Likes: 670
From: ir.delta.com
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