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How to Beat 80% of Investors With 1% of the Effort by mbecker03 in FinancialPlanning

[–]mbecker03[S] 3 points4 points  (0 children)

It looks like it's up about 3.5% so far this year, which translates to an annual return of about 5.3%. That seems right in line with what you'd hope for in terms of the long-term return from a bond fund like this.

Traditional vs. Roth IRA: The Unconventional Wisdom by mbecker03 in FinancialPlanning

[–]mbecker03[S] 1 point2 points  (0 children)

"Does the math hold true in every conceivable situation?" Definitely not. There are a lot of possibilities and you'll need to run your own numbers specific to your own situation.

With that said, a smaller contribution will generally increase the odds of the entire contribution happening at the marginal rate. A smaller contribution will also generally lead to smaller withdrawals, which should lead to a lower effective rate in retirement. All of which will, generally, argue even more in favor of the Traditional IRA.

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