archived_user
New member
- Jun 18, 2026
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Evening All,
If you have a taxable investment account(all gains taxed) and say you want it to accumulate to $300,000 (Future value). You have some starting PV (Made up of an investment portfolio of say FI and E which are taxed at different rates), PMT’s and N for years given. The interest rate (I/Y) using the annuity method would be the nominal after-tax return right? And the $300,000 FV would be the Nominal AFTER tax amount in the portfolio I’m assuming. With a taxable investment, all gains are taxed so the final future value would be after tax as well right?
And say only withdrawals are taxed (Non-taxable account) and the same information was given above. When you find the interest rate (I/Y), it would be the pre-tax nominal rate right? And that FV of 300,000 would be the Nominal Pre-tax amount in the portfolio I’m assuming.
Basically what I’m asking. For the top paragraph, the values are nominal after-tax return(I/Y) and nominal after-tax amount(FV). For the second paragraph, you get the pre-tax nominal rate of return (I/Y) and nominal pre-tax amount(FV).
If you have a taxable investment account(all gains taxed) and say you want it to accumulate to $300,000 (Future value). You have some starting PV (Made up of an investment portfolio of say FI and E which are taxed at different rates), PMT’s and N for years given. The interest rate (I/Y) using the annuity method would be the nominal after-tax return right? And the $300,000 FV would be the Nominal AFTER tax amount in the portfolio I’m assuming. With a taxable investment, all gains are taxed so the final future value would be after tax as well right?
And say only withdrawals are taxed (Non-taxable account) and the same information was given above. When you find the interest rate (I/Y), it would be the pre-tax nominal rate right? And that FV of 300,000 would be the Nominal Pre-tax amount in the portfolio I’m assuming.
Basically what I’m asking. For the top paragraph, the values are nominal after-tax return(I/Y) and nominal after-tax amount(FV). For the second paragraph, you get the pre-tax nominal rate of return (I/Y) and nominal pre-tax amount(FV).