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Reply to "Withdrawing taxable investments question "
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[quote=Anonymous]You need to be careful in your lingo. Most people consider "taxable accounts" to be the account you saved in on your own without any tax incentive (beyond capital gains tax rates). If you have to withdraw (RMDs) from two accounts at 70.5 (now 72 actually) those are generally called tax-deferred accounts. If you really want to game the system and your existing plans allow it, you could do partial withdrawal/rollovers of your tax-deferred accounts to an IRA up to the next tax bracket (or the tax bracket you will be once you take RMDs) and then do a Roth conversion. Tax-deferred withdrawals are taxed at ordinary income, not capital gains. When to tap the taxable account which does get capital gains tax treatment is probably worth investigating but offhand I would think you would touch that last. This is the kind of thing Bogleheads are all over. [/quote]
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