Comment discusses breakeven analysis methods for IRA contributions, suggesting improved decision-making strategies.
O'Neil, Saftner, and Dillaway (OSD) [1983] have calculated the breakeven year for an IRA assuming a stream of contributions. An example is presented which illustrates that incorrect decisions may result If breakeven times based on the OSD procedure are followed. An alternative procedure is developed here and a useful table of IRA breakeven years is constructed.
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Richard R. Simonds (1984) studied this question.
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