We are in the 15% Federal tax bracket now, and I don't expect that will change during retirement.If by this you mean that you will be spending about the same then you as you are now, then you may be in a lower tax bracket since some of you income will not be taxable.For example if you are need $50,000 per year in retirement you might get it from;Social securityTaxable retirement accounts (401k and TIRA)Non-Taxable retirement accounts (ROTH IRA)Interest and dividendsSelling stocks in taxable accounts (and paying capital gains taxes)Probably only a fraction of this is taxable so your total and marginal tax rates will likely be very low if the tax laws and rates haven't changes drastically.Since it is impossible to know what the tax laws will be over the next 40 years or so I try to diversify my types of holding so I will have flexibility in the future. Be careful about transferring too much of your savings into taxable retirement accounts.Greg
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