I believe many will follow this order. My only issue here is what happens to your AA. I know for myself, my tax-free accounts are 100% in stock. As time goes on, RMDs/withdrawals from tax-deferred (have some stock there, but more fixed), would mean my AA will rise in stock. I can always add bonds to tax-free later on, but just wonder if that is what people intend to do? For myself, I have always liked the bond tent idea, so I think I'm ok with my bond allocation peaking at retirement and then slowly drifting lower as I get older. I think that is possible as I hope to never really drawdown my Roth accounts.I intend to early retire as well. When I do I will draw down my accounts in the following order:
Taxable
Tax-deferred
Tax free
Statistics: Posted by privateID — Tue May 07, 2024 9:05 am — Replies 31 — Views 2464