No. of Recommendations: 19
RE: RMDs and SWR

Why do we seem to keep revisiting this issue? Juxtaposing the two items is illogical, because RMDs and SWR are completely unrelated.

The rate that money is withdrawn or converted from a tax-deferred IRA, whether voluntarily or involuntarily has no bearing on your total portfolio returns or how much you spend.

RMDs are about involuntary conversions. SWR is about how much of your assets you spend. The two are not related.

Just because you take money out of an IRA doesn't mean you have to spend it.

End of story.

- Joel
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