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The EMH is highly suspect in a lot of cases. If the EMH was true in it's entirety you wouldn't be able to execute things like seasonal arb on airline stocks or split/merger trades (in this example the merger stock would be in lock step which is almost never true right up until the day before merger). Graham style investing died 40 years ago. All of the volatility creates inefficiency. The fact majority of people index means the volatility is magnified...creating more inefficiency. EMH may hold for "well covered" stocks (BB coverage) but for most uncovered issues I suspect it's wrong.
Would this mean I could contribute to both legally? I interpreted what you said as I could only begin contributing to the 2021 IRA January 1st of 2021 to April 2021.
It seems my marginal tax rate is 24%, so this would mean that keeping the money in a traditional expecting ~50% of my income per year in withdrawal would mean I'd pay less taxes then, right? So my traditional IRA is the one I should move money into and not use a roth IRA going forward despite not getting a write off every year.
I have full access to any instrument I want in my IRA. I just can’t short, I don’t think. For the first bulletpoint, how could I spreadsheet that and figure it out?
The most important thing in a financial professional is alignment with your goals. This is constantly repeated in every popular finance book. If your financial advisor (accountant, CPA, etc) is not aligned with your goals turn around and walk out.
