Pixy,thanks for the info. seeing the numbers for the tax equivalent contributions were very insightful. the fact that both the front and back-loaded cases were exactly equal was not quite intuitive to me. somehow i felt that the number of years, the rate of return, and the distribution rate all had an affect on the outcome. so i guess the only real question is how good are you at predicting the future tax changes????? hmmmmm........ consumption tax and a lower income tax.........in search of foolishness,xtraFool
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