Is Your Traditional 403b a Good Idea?

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If you're looking for a rule of thumb that may or may not apply to you, generally if your marginal tax rate is less than 20%, you should be thinking Roth. The one thing I would caution you not to do is something that is encouraged by people that run steak dinners and sell annuities in things. You know whenever I see an opportunity now I charge it like a bull, Ned the bull, that's me now.

In this episode we answer emails from Bradley, Chris and Andreas. We discuss traditional versus Roth considerations in retirement accounts, REITs, some risk parity fundamentals about the interplay between asset classes and macroeconomic environments and how that relates to correlations, a recent risk parity backtest to 1926 and the real reasons to use small cap value allocations. I'm telling you, fellas, you're gonna want that Cowbell!

Links:

REIT Sectors and Directory: REIT Sectors | Nareit

Episode 5 Bridgewater Article on Risk Parity Fundamentals: Microsoft Word - 2009.12 AW Info Pack.doc (granicus.com)

Early Retirement Now Article re Small Cap Value: My thoughts on Small-Cap and Value Stocks – Early Retirement Now

Analysis of Small-Cap Value vs. Total Market since 1972: Backtest Portfolio Asset Class Allocation (portfoliovisualizer.com)

Bloomberg Presentation re Performance of Various Asset Classes in Inflationary Environments: MH201-SteveHou-Bloomberg.pdf (markethuddle.com)

Merriman Podcast (12/21/2022) on Small Cap Value Stocks: 10 reasons small-cap value can make you richer - Paul Merriman