从退休账户里提取钱的先后次序

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]

我认为: RMD 大约只有 4%，200 万只不过是 8 万 (低收入税率). 400万 16万以上 (税可能会高得多).

[家里好]

听说可以的话，应该吧 traditional ira or 401K 转成 roth. 好像有人说， 2米以下就不值得转？ 4米以上才值得转？这是个啥数学？

[baladirk]

谢谢分享