Best PP allocation for taxable account in DRAWDOWN phase

[Storm]

Ok, this one is a bit different - does being in drawdown phase vs. accumulation phase change anything for tax purposes?

Sorry for the 2 polls, but I'd like to see if it's any different for accumulation vs. drawdown.

[craigr]

I have a largely taxable account and use my portfolio for living expenses. I use the DIY fund version. It is better for tax management for me as I can tax loss harvest and have total control over capital gains I wish to take.

But with that said, the fund has an excellent track record of tax management for those not looking to manage these things themselves.

[Storm]

For those that chose PRPFX, I'd be very interested in hearing why.

I also heard of an interesting strategy from someone on this board (can't remember who).  Let's say you have a standard IRA (non-Roth) and you decide to retire early at 55 instead of 65.  In the years where you have no income, you do partial Roth conversions at a very favorable tax rate since you have no other income and can use standard deductions to offset it.

If you are ever out of work for part of a year, you could also take advantage of that year to do some partial Roth conversions as well.  This seems like a good way to get some of a traditional IRA into a tax advantaged space, if you have years with no income to do it.