J.P. Morgan annually publishes long-term capital market assumptions. Using its 2020 edition, here are a selection of optimal portfolios that can be used by investors of different risk affinities.
Baby Boomers are arriving at retirement with large accumulations that have not yet been exposed to federal income tax. I describe a program that synchronizes the distribution of pre-tax assets with availability of generationally-low tax rates, while keeping the dictates of Medicare, Social Security and the governing IRS tax code firmly in view.
