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Comment addresses calculation of breakeven years for IRA contributions, indicating improved accuracy methods.
Rather than incorrectly calculating the breakeven year for IRA contributions, the O'Neil-Saftner-Dillaway (OSD) model may be used to calculate the breakeven period for any combination of annual contributions to either a sheltered or a nonsheltered account. Single contribution breakeven-year tables are presented which complement the original breakeven-year tables. When considered with the original tables, the upper and lower parameters for breakeven year analysis of multiple year contributions is found.
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O'Neil et al. (1984) studied this question.
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