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International Business Times
International Business Times
Business

Ray Lucia Sr.: The Case for Spending Bonds Before Stocks in Retirement

Planning a tax-efficient retirement withdrawal plan is vital to ensure your savings last as long as possible. As Ray Lucia Sr. notes, factors like market volatility, tax treatment of different accounts, and the sequence of returns all play a role in shaping the optimal approach. Using bonds before stocks, managing the risk from early market downturns, and understanding how to locate assets within taxable and tax-advantaged accounts can collectively improve your outcomes.

Optimizing the Order of Retirement Withdrawals

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