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Optimal Strategies for Traditionalrnversus Roth IRA/401(k) ConsumptionrnDuring Retirement

机译：退休期间传统罗斯IRA / 401（k）消费的最佳策略

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摘要

We establish an algorithm that produces an optimal strategy for retirees to withdraw funds between their tax-deferred accounts (TDAs), like traditional IRA/401(k) accounts, and their Roth IRA/401(k) accounts, in the context of a financial model based on American tax law. This optimal strategy follows a geometrically simple, intuitive approach that can be used to maximize the size of a retiree's bequest to an heir or, alternatively, to maximize a retiree's portfolio longevity. We give examples where retirees following the approach currently implemented by major investment firms, like Fidelity and Vanguard, will reduce their bequests by approximately 10% or lose 18 months of portfolio longevity compared to our optimal approach. Further, our strategy and algorithm can be extended to many cases where the retiree has additional, known yearly sources of money, such as income from part-time work, taxable investment accounts, and Social Security.
机译：我们建立了一种算法，该算法可为退休人员提供最佳策略，以在退休金帐户的背景下在其延税帐户（TDA）（如传统IRA / 401（k）帐户）和其Roth IRA / 401（k）帐户之间提取资金。基于美国税法的财务模型。此最佳策略遵循几何上简单，直观的方法，该方法可用于最大程度地减少退休人员对继承人的遗赠的规模，或者最大化退休人员的投资组合寿命。我们举个例子，与我们的最佳方法相比，退休人员遵循诸如Fidelity和Vanguard之类的主要投资公司当前实施的方法，将使他们的遗产减少大约10％，或者失去18个月的投资组合寿命。此外，我们的策略和算法可以扩展到退休人员拥有额外的已知年度资金来源的许多情况，例如，兼职收入，应税投资账户和社会保障。

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