The thought occurred of moving some money market positions to the IRA & moving some mutual fund positions to the taxable account.  The idea would be to avoid taxes on interest while the mutual fund growth wouldn't create any taxable income.  The problem is trades inside the mutual funds are taxed.  When Warren Buffet sells something, he doesn't pay the capital gains tax, you do.

So far, it hasn't happened.  The amount of interest a lion could shelter from taxes by converting his IRA to cash is very small.  The IRA positions are manely high yielding closed end funds, much higher yielding than the money market positions, so they'd be taxed into the stone ages.  Only a small amount of interest would be sheltered from taxes.


Another problem is the current high interest environment relative to stonk growth lions believe is going to be short lived.  This asset allocation was always based on most gains coming from stonks, so those would be sheltered from taxes in the IRA while the meager interest positions would be taxable. 

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Health problems rather than accidents seem to be the most common cause of death of classmates.  The places where classmates lived just aren't dangerous.  The wheels started falling off for most of them after 40.  1 died after 2018 of what seemed to be brain cancer.  1 died in 2019 of a known illness.

Noted a lot of guys with bigger genetic defects than lions had kids.  Skin defects are pretty common. 







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