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No. of Recommendations: 0
1. If you are buying into the market, almost everything is on sale and your investment dollar is going further than it did 6 months ago.
2. If you have to take RMDs, your RMD and tax bill look to be lower this year than last year.
Please add more if there are any.


#1 is 100% correct...if you are still investing. Buying "on sale" over three decades juiced my returns above what the overall market returned--not because of "investing smarts," but because of math. You buy more shares at the lows than at the highs. Unfortunately, if you are living off your money as a retiree, this works in reverse. You draw the money out to live on, and no longer have it in your possession when the market goes back up.

#2 sounds like a rationalization--"I'm paying less taxes because I'm making less money!"

I'll add one:
3. If you want to do a partial Roth conversion, you can convert some funds at current prices which are lower...so either convert more shares for the same tax bill, or convert the same shares you were thinking about in December 2021 but have a lower tax bill. (Hopefully, you will not have to *sell* assets that are way down to cover the extra taxes on the conversion.)
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