Profile

I'm well into my RMD years. When you get there, if you are one that contributes to charities, QCDs will be your way to limit taxes on distributions. I find that Roth conversions are most appealing in years when the market is down as you can get more shares out per dollar, then watch it grow back tax ...

I've held VSIAX in my IRA since 2011, in that time it has never paid out any capital gains, and I have been satisfied with its performance. VBR is the equivalent ETF. Both have an ER of .7%. I am in my RMD years, and as money is moving from my IRA to my taxable account, I typically convert from a mutual ...