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WCI #411: 401(k)s, IRAs, 403(b)s, and other Retirement Account Questions

White Coat Investor Podcast

CHAPTER

Navigating Retirement Withdrawal Strategies

This chapter explores the intricacies of withdrawal rates from retirement portfolios, critiquing overly conservative strategies while affirming the historical viability of a 4% withdrawal rate. It emphasizes the importance of personal risk tolerance in investment choices and advocates for diversification beyond popular indexes like the S&P 500. Additionally, the chapter addresses misconceptions surrounding 529 plans, the implications of required minimum distributions, and the management of taxable investment accounts.

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