Retirement Planning

Performance Comparison of Retirement Savings Buckets

Pre-Tax and Post-Tax buckets perform better than Tax-Deferred and Taxable. However, Post-Tax accounts provide the best shelter from future taxes. Tax buckets may be categorized as Taxable, Tax-Deferred, Pre-Tax, or Post-Tax accounts. Account examples and tax treatments are summarized in the table below. Detailed account characteristics are captured in “Tax Treatment of Investment and Retirement

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Tax Treatment of Investment and Retirement Accounts

Post-Tax accounts, both retirement accounts and non-retirement investments, provide the best shelter from taxes. We have classified various investment and retirement accounts based on their tax treatment. The tax treatment differs between new contributions made to the account, growth from investments and money taken out in the form of a withdrawal or distribution. Withdrawals after

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