Care about prices ? You should care about this.

[311boogieman]

It's safety vs growth/income. I'm in a good position in that I can keep most of my wealth in aggressive growth and growth, while having a small portion dedicated to income generation and principal preservation for my living expenses.

Roth conversions will be a tax hit, so I'm spreading them out over 2-3 years, then they can grow tax free; after I die, my kid can inherit the Roth tax-free with 10 years to withdraw the entire balance.

Yeah, my annuities are maybe 20% of total. Guess which basket took the least amount of hit last April? I may not be as aggressive as you, but looks like you are making all the right decisions. I also have a TOD from my brother, RIP, and we plan to give most of that to my 3 kids over the next 10 years tax free. I have something funny/coincidental to share with you but I won't do it here - I will DM you. Cheers

 

[rsm]

Yeah, my annuities are maybe 20% of total. Guess which basket took the least amount of hit last April? I may not be as aggressive as you, but looks like you are making all the right decisions. I also have a TOD from my brother, RIP, and we plan to give most of that to my 3 kids over the next 10 years tax free. I have something funny/coincidental to share with you but I won't do it here - I will DM you. Cheers

Once I have my retirement income portfolio set (roughly 7% of my total), hopefully by the end if this year, the next 2-3 years will be Roth conversions of another 7%-8%,, then some decisions on a trust or similar for the remaining 80% years before RMDs kick in.