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Distributions from your retirement portfolio shouldn’t hamper the ongoing optimization of its total return. Careful planning may also help reduce the income tax consequences of your distributions. For many investors, the bulk of their retirement assets are held in qualifed accounts, like employer-sponsored plans or various IRAs. In some cases, there may also be large balances in taxable accounts.
When this is the case, it is generally advantageous to look to taxable accounts first to create an initial cash flow. Those distributions are not taxable. They would be if they came out of a qualified account. In addition, delaying distributions from qualifed accounts gives them the potential to continue compounding on a tax-deferred basis.
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