So, we all know that standard interest and dividends in after tax accounts are taxed as ordinary income.
Does that affect your post retirement strategy?
Do you avoid such investments in your after tax portion of your portfolio?
Or is your AGI low enough that you could care less?
And what about the dreaded and inevitable RMD?
What is your strategy there?
1.Avoid withdrawing from your qualified/tax deferred accounts before 70 - because they too are taxed as ordinary income? And just push the tax bump down the road until RMDs force you to withdraw?
2.Or do you tap into your 401k/403b before 70 because you need to for expenses?
Does that affect your post retirement strategy?
Do you avoid such investments in your after tax portion of your portfolio?
Or is your AGI low enough that you could care less?
And what about the dreaded and inevitable RMD?
What is your strategy there?
1.Avoid withdrawing from your qualified/tax deferred accounts before 70 - because they too are taxed as ordinary income? And just push the tax bump down the road until RMDs force you to withdraw?
2.Or do you tap into your 401k/403b before 70 because you need to for expenses?