Hello all, I see that we can get to this site from DOD addresses again..YEY!!! Anyway..
I'm about half thru my civilian career, and have packed $$ away in the traditional TSP without giving much consideration to ROTH.. until recently.. I was challenged to compare the two and what I found out was AMAZING unless I'm doing something wrong..
Basic assumptions.. - 100% ROTH contributions from here on out, - Retire in 10 years (23 total) - 8% growth annually (staying in the high risk pools) - Equally burn traditional TSP over 20 years after retirement - use ROTH to maintain lifestyle - staying on the 25% +/- income tax bracket. I'm not concerned if I have the taxes just right, since I applied them equally to both sides.
I created a .xls with a side-by-side of 2 scenarios.. Stay in TSP or split now and go ROTH from now on. (PM me w/ email if you want to see my numbers..)
Trying to take Taxes, withdraws, gains, etc into consideration and applying equally as best I can to both scenarios, By the time I had depleted my TSP, I would have 150K left in my ROTH account while having an income of aprox 90K/yr.
I would like to hear is anyone else had tried this comparison and results..
_________________ Just because I give you advice, It doesn't mean I know more than you, It just means I've done more stupid stuff.
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