r/ETFs • u/yunghotmilf • 2d ago

Is this not concerning to you?

Everyday I see someone asking here if they should buy the dip and overwhelmingly the answers are to keep DCA regardless of market, or that they’re lucky to get a discount right now. Asking genuinely, is no one here concerned about the possibility of this ruining the market for many years, especially since the relationships we have around the world have now at the least been damaged for some time? This situation doesn’t seem so easy to come back from

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u/Snowbirdy 2d ago

Employer match is a risk-free 50-100% annual return. You aren’t going to get that anywhere else. I wish more people realized this.

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u/Maxoommc 2d ago

And hopefully keeping the tax liability to a minimum when 401 RMD kicks in.

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u/brianswingdancer 1d ago

That’s why I’ve recently started converting my pre-tax deferred 457 to my Roth 457 each year. I’m 59 now. At 75 my RMDs (required minimum distributions) from my 457 will kick in. The RMDs will be considerable ($250K a year and will gradually increase to about $400K a year). That will put me into the 30+ % tax brackets. I’d rather pay the tax now at 22-24% now each year up to the age of 75, and whittle my taxable balance down now, instead of paying such high tax on the high 457 balance from ages 75 to 95. I’m in excellent physical health.

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u/Maxoommc 1d ago

being able to have 457 as an option is great. Does the Roth 457 function the same as a tradional Roth IRA? No RMD?

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u/brianswingdancer 1d ago

Correct. As in the Roth IRA, no RMDs for the Roth 457 either