退休後從退休賬戶裏提取錢的先後次序

1. If you reach RMD age, you need to withdraw from your RMD accounts.  Otherwise, the penalty is up to 25%.
2. 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%.
3. If you have maturing bond and CD, cash in them.
4. Sell your investments from retirement accounts 401k or 403b，or from Rollover IRA to generate cash.
5. Tap into your Roth IRA as a last resort.

[baladirk]

謝謝分享