Retirement Spending Projections
Since RMD's from IRA'S are designed to deplete the account over time so that the deferred tax will be paid, it makes sense that the value of these accounts will represent an ever decreasing proportion of assets over time. However, if you have converted all your IRA's to Roth IRA's, the retirement projection still assumes that you will spend down the Roth. That makes no sense. The longer you can maintain assets in tax deferred status, the better. Am I missing something in how I have coded my Roth accounts or is this a blind spot in the projection algorithm?
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