Roth

This is one of your Roth accounts.

Shown are 2046 transactions. In this case, we take a cash and S&P rollovers from the IRA and draw cash. Later in the year a bond matures. This deposit will be directed to next year’s payout.

Charts

Three charts are shown. Swipe to view each in turn.

Account Assets

Yearly total account balances, with “cash” and S&P assets highlighted.

In this case, the bulk of the estate migrates to the Roth account as the IRA is drained.

Only after Ralph’s death and the attendant drop in Social Security payments does the balance stop climbing. Your heirs get the remaining $800K tax-free.

Account Activity

Withdrawals are on top. Roll-ins are on the bottom.

Withdrawals and roll-ins from “cash” and S&P accounts are shown separately.

Untaxed Earnings

These numbers are shown solely for amusement purposes.