從退休賬戶裏提取錢的先後次序

1.  Withdraw your interest and dividend from your taxable accounts, interest is taxed at your ordinary income rate, but your dividend is taxed at lower capital gain tax rate, 0%, 15% or 20%.

2.  If you have maturing bond and CD, cash in them.

3.  Sell your investments from retirement accounts 401k or 403b，or from Rollover IRA to generate cash.  These retirement accounts have RMD when you reach 73.  If you don't withdraw when reaching RMD age, the penalty is up to 25% of RMD amount.

4.  Withdraw from your Roth IRA as a last resort.

[futufutu]

我認為: RMD 大約隻有 4%，200 萬隻不過是 8 萬 (低收入稅率). 400萬 16萬以上 (稅可能會高得多).

[家裏好]

聽說可以的話，應該吧 traditional ira or 401K 轉成 roth. 好像有人說， 2米以下就不值得轉？ 4米以上才值得轉？這是個啥數學？

[baladirk]

謝謝分享