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Dec 27, 2024
9:48
:28
am
PresidiCoug
Redshirt Freshman
Tons of variables…
But one thing to keep in mind is that you no longer have to take RMDs from Roth accounts during your lifetime. So you could benefit in the long run by keeping the Roth funds in your account.
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PresidiCoug
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PresidiCoug
Joined
Aug 9, 2003
Last login
Dec 27, 2024
Total posts
184 (0 FO)
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Messages
Author
Time
When I take distributions from a 401(k) account that has a mix of Roth and
zuko
Dec 27, 9:35am
That’s not the same account. You’d pick which account you withdraw the funds.
allaboutthegainz
Dec 27, 9:36am
Would it be smarter to use the Roth or traditional funds first?
Updating...
Dec 27, 9:45am
It depends. Traditional funds would have an RMD.
allaboutthegainz
Dec 27, 9:48am
Tons of variables…
PresidiCoug
Dec 27, 9:48am
Beneficiaries would then be able to withdraw the Roth funds tax-free after death
allaboutthegainz
Dec 27, 9:50am
Evaluate your withdrawal runway. Coordinate your taxable withdrawals,
Acorn
Dec 27, 9:56am
I don't think you can mix in one account.
DirtyWater
Dec 27, 9:39am
Most plans allow you to designate which source you’re distributing from.
ThatBYUFan
Dec 27, 9:43am
Look at your withdrawal form
PresidiCoug
Dec 27, 9:46am
When I've taken 401k distributions, taxes were accounted for by the management company
Underhill
Dec 27, 9:51am
It’s a standard withholding for taxable distributions and it’s not optional. You
MormonThug
Dec 27, 10:08am
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