Managing a Roth IRA in retirement- Vanguard



Being a tax-efficient investor doesn't end when you retire. In fact, tax-efficient investing can be even more important so your savings can last a lifetime. Maria Bruno and Joel Dickson of Vanguard's Investment Strategy Group and Alisa Shin of Vanguard Asset Management Services™ explain what to consider when deciding when—and how—to take withdrawals from your retirement accounts. All investing is subject to risk, including the possible loss of the money you invest. Withdrawals from a Roth IRA are tax free if you are over age 59½ and have held the account for at least five years; withdrawals taken prior to age 59½ or five years may be subject to ordinary income tax or a 10% federal penalty tax, or both. This webcast is for educational purposes only. We recommend that you consult a tax or financial advisor about your individual situation. © 2013 The Vanguard Group, Inc. All rights reserved.

Comments

  1. GREAT VIDEO ! I myself have a Roth IRA with capital One 360.
  2. These Advisors all made very good points but they were just not clear on them lol. kinda all over the place. Roth contributions are after tax contributions, they grow tax free, you don't pay taxes on gains at retirement. Traditional IRA is the opposite of that. If you think you will be in a higher Tax bracket at retirement, take the Roth so u get taxes out of the way now. If you think your tax will be lower in future, take the Traditoinal. But its not just about tax bracket, the gentlemen also mentioned its about your amount of taxable income. You might be in a low tax bracket but if you have no deductions...well.... Also, is your account all capital gains or does it consist of income (dividend, coupon rates) yielding assets which are taxed higher than long term capital gains, that's why you have to be careful about constructing an income portfolio for retirement. in the future, taxes will most likely be higher for everyone. I think...
  3. What's an "RMD"?


Additional Information:

Visibility: 5696

Duration: 4m 48s

Rating: 10