Gyroscopic Investing

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.

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.

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.