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Tax Efficient Retirement Income Withdrawal Strategies

You worked, saved, and planned to enjoy the retirement life of your dreams. But those dreams cost money, and now you’re faced with choosing between various retirement withdrawal strategies . . . or have no strategy at all! All things being equal—including taxes and investment performance—there’s no real benefit to various retirement withdrawal strategies. But in reality, things aren’t equal. Your pre-tax accounts distribute ordinary income. Your Roth IRAs are tax-free forever! And your taxable accounts have already been taxed. Given the various tax consequences of different types of accounts, a tax-efficient retirement withdrawal strategy can add a substantial amount of money to your retirement planning with no additional risk. Similar to Morningstar’s “Withdrawal Sourcing” strategy, Vanguard believes a tax-efficient retirement withdrawal strategy has a massive impact—up to 1.1%—on a retired investor’s return. 1.1% per year is a huge amount of return for a spending strategy that has no additional risk!