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RBS 162: In What Order Should You Spend Down Your Retirement Accounts?

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Manage episode 443508291 series 3437124
Kandungan disediakan oleh Rob Berger. Semua kandungan podcast termasuk episod, grafik dan perihalan podcast dimuat naik dan disediakan terus oleh Rob Berger atau rakan kongsi platform podcast mereka. Jika anda percaya seseorang menggunakan karya berhak cipta anda tanpa kebenaran anda, anda boleh mengikuti proses yang digariskan di sini https://ms.player.fm/legal.

In this video, we'll discuss how to optimize the tax efficiency of your retirement withdrawals. New Retirement: https://go.robberger.com/new-retireme...
Many retirees have up to three account types: taxable, tax-deferred (e.g., traditional IRA), and tax-free (Roth IRA or HSA). The conventional wisdom tells us to spend the taxable accounts first, then the tax-deferred, and finally the tax-free. It turns out that this approach is rarely optimal.
By making a few adjustments to the conventional approach, particularly in early retirement, we can increase our after-tax spending and the longevity of our portfolio.
Join the Newsletter. It's Free:
https://robberger.com/newsletter/?utm...

  continue reading

182 episod

Artwork
iconKongsi
 
Manage episode 443508291 series 3437124
Kandungan disediakan oleh Rob Berger. Semua kandungan podcast termasuk episod, grafik dan perihalan podcast dimuat naik dan disediakan terus oleh Rob Berger atau rakan kongsi platform podcast mereka. Jika anda percaya seseorang menggunakan karya berhak cipta anda tanpa kebenaran anda, anda boleh mengikuti proses yang digariskan di sini https://ms.player.fm/legal.

In this video, we'll discuss how to optimize the tax efficiency of your retirement withdrawals. New Retirement: https://go.robberger.com/new-retireme...
Many retirees have up to three account types: taxable, tax-deferred (e.g., traditional IRA), and tax-free (Roth IRA or HSA). The conventional wisdom tells us to spend the taxable accounts first, then the tax-deferred, and finally the tax-free. It turns out that this approach is rarely optimal.
By making a few adjustments to the conventional approach, particularly in early retirement, we can increase our after-tax spending and the longevity of our portfolio.
Join the Newsletter. It's Free:
https://robberger.com/newsletter/?utm...

  continue reading

182 episod

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