Comments on: Another Case for Tax Profile Diversification http://www.bargaineering.com/articles/another-case-for-tax-profile-diversification.html personal finance blog with anecdotes, advice and commentary. Sun, 22 Nov 2009 04:50:49 -0500 http://wordpress.org/?v=2.8.5 hourly 1 By: Lazy Man and Money http://www.bargaineering.com/articles/another-case-for-tax-profile-diversification.html/comment-page-1#comment-74140 Lazy Man and Money Mon, 05 Mar 2007 23:42:42 +0000 http://www.bargaineering.com/articles/another-case-for-tax-profile-diversification.html#comment-74140 I've always thought that we should have diversified taxes profiles as well, but it's odd that the limits for 401Ks are nearly 4 times the limit of Roth IRAs. These should definitely be closer to equal. Maybe with the Roth 401Ks it would give me an option to be truly diversified. It's unfortunately there's not really a good way to play it. It's basically like putting half of you money on heads and half you money on tails and flipping a coin. Even if you mess up and put 75% of your money on heads, this "mistake" could work out in your favor. I’ve always thought that we should have diversified taxes profiles as well, but it’s odd that the limits for 401Ks are nearly 4 times the limit of Roth IRAs. These should definitely be closer to equal. Maybe with the Roth 401Ks it would give me an option to be truly diversified.

It’s unfortunately there’s not really a good way to play it. It’s basically like putting half of you money on heads and half you money on tails and flipping a coin. Even if you mess up and put 75% of your money on heads, this “mistake” could work out in your favor.

]]> By: My Financial Journey http://www.bargaineering.com/articles/another-case-for-tax-profile-diversification.html/comment-page-1#comment-74021 My Financial Journey Wed, 28 Feb 2007 13:06:01 +0000 http://www.bargaineering.com/articles/another-case-for-tax-profile-diversification.html#comment-74021 Maybe it will be a blessing in disguise that my new employer does not offer a Roth 401k, going to force me to be diversified, although in the case of a consumption tax you are just as screwed with a traditional account as that money will first be taxed at your income tax level and then the money will again be taxed when you consume something so either way you are screwed unless they do away with the income tax entirely in favor of the consumption tax. Maybe it will be a blessing in disguise that my new employer does not offer a Roth 401k, going to force me to be diversified, although in the case of a consumption tax you are just as screwed with a traditional account as that money will first be taxed at your income tax level and then the money will again be taxed when you consume something so either way you are screwed unless they do away with the income tax entirely in favor of the consumption tax.

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