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Stretching Retirement Accounts to Last

Last update on: Apr 21 2016
Which Account to Spend First?
Rate of Taxable  Tax-Deferred
Return Account First Account First
6% 18+ years 15+ years
8% 25+ years 18+ years
10% 51+ years 24+ years
The second and third columns show how long the
accounts will last.

Whichever distribution order you select, don’t forget to monitor your asset allocation. The distributions are likely to change the asset allocation. Make adjustments in the remaining accounts to restore the target allocation, though the adjustments might incur taxes and trading costs. It’s important not to let tax issues change your investment strategy.



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