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cover of episode How to Retire at Age 36

How to Retire at Age 36

2024/10/30
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Ask The Compound

AI Deep Dive AI Chapters Transcript
People
B
Ben Carlson
一位专注于投资教育和策略的金融专家,通过博客和播客分享投资见解。
J
Jill Schlesinger
听众
无足够信息构建个人资料
Topics
听众:就退休储蓄工具而言,Roth账户和传统账户各有优势,Roth账户的优势在于明确的税负,而传统账户的优势在于标准抵扣可以使部分收入免税。 Jill Schlesinger:由于她喜欢确定性,并且当前税率较低,她更倾向于Roth账户。 Ben Carlson:他本人更倾向于Roth账户,但他公司匹配的资金在传统账户中,他理解在传统账户中存入资金。他建议在传统和Roth账户中进行多元化投资,因为大多数人不会将税款返还用于投资。 Jill Schlesinger:对于已经积累大量税前储蓄的人来说,Roth账户更有优势,因为可以避免日后高额的强制最低提款税负。 Ben Carlson:尤其是有充足时间的情况下,大部分资金投资于Roth账户风险较小,因为其免税增长的吸引力。 Jill Schlesinger:由于喜欢确定性,且当前税率较低,她更倾向于Roth账户。她认为,确定性地支付今天的税款,而不是预测未来可能上涨的税率,对她来说更有吸引力。 Ben Carlson:他本人更倾向于Roth账户,但公司匹配的资金在传统账户中,他理解在传统账户中存入资金。他建议在传统和Roth账户中进行多元化投资,因为大多数人不会将税款返还用于投资。 Jill Schlesinger:对于已经积累大量税前储蓄的人来说,Roth账户更有优势,因为可以避免日后高额的强制最低提款税负。 Ben Carlson:他本人更倾向于Roth账户,但公司匹配的资金在传统账户中,他理解在传统账户中存入资金。他建议在传统和Roth账户中进行多元化投资,因为大多数人不会将税款返还用于投资。他认为,在传统账户中存入资金,然后将税款返还用于投资,对大多数人来说是不现实的。

Deep Dive

Chapters
The discussion revolves around the pros and cons of contributing to Roth versus traditional retirement accounts, with a focus on tax diversification and future tax rate considerations.
  • Jill Schlesinger prefers Roth contributions for the certainty of tax liability.
  • Ben Carlson discusses the importance of tax diversification and the behavioral aspect of saving the tax return.
  • Jill mentions the issue of required minimum distributions and their impact on tax brackets later in life.

Shownotes Transcript

On episode 147 of Ask The Compound, Ben Carlson and Duncan Hill are joined by Jill Schlesinger, CFP of Jill on Money to discuss reducing concentrated holdings, gold as an investment, utilizing Roth conversions, the argument for traditional contributions as opposed to Roth, and much more! Submit your Ask The Compound questions to [email protected])!

Thanks to Public for sponsoring this episode! Visit: https://public.com/ATC) and lock in a 6% or higher yield with a Bond Account.

The Compound x Tropical Bros: https://tropicalbros.com/products/super-stretch-the-compound-hawaiian-shirt)

Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! https://www.thecompoundnews.com/subscribe)

🎥 Watch this episode on YouTube: https://youtube.com/live/3QrJKYNAJBU)

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The Compound Media, Incorporated, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers). Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information.

Investing involves the risk of loss. This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions. Duncan Hill and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management.

Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here:

https://ritholtzwealth.com/podcast-youtube-disclosures/)

Public disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.

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