✉news BusinessPersonal Finance first seen 10 h ago, last 3 h ago, peak #12

Retiring at 65 with $420,000 and a $60,000 pension: delaying Roth conversions

Original: Retire at 65 With $420,000 in a 401(k) and a $60,000 Pension and Convert Nothing for Eight Years. Whether That Was a Mistake Depends on Arithmetic Most People Never Run

A personal-finance analysis examines a retiree who stops working at 65 with $420,000 saved in a 401(k) and a $60,000 annual pension, but chooses not to convert any of it to a Roth account for eight years. The question of whether that delay was a mistake comes down to tax arithmetic on required minimum distributions and future rates — calculations most savers never actually run themselves.

Why now: Retirees approaching required minimum distributions are weighing whether delaying Roth conversions costs them money.

401(k)Roth IRA24/7 Wall St.

Open on news →

Rank over time, top of the chart is #1. 6 snapshots from 10 h ago to 3 h ago.

Evidence

• Retire at 65 With $420,000 in a 401(k) and a $60,000 Pension and Convert Nothing for Eight Years. Whether That Was a Mistake Depends on Arithmetic Most People Never Run · 24/7 Wall St.

API: https://socialmediatrends-api.osmike.com/v1/trends/1876378