WCI #411: 401(k)s, IRAs, 403(b)s, and other Retirement Account Questions
Mar 20, 2025
Dive into the world of retirement accounts, exploring the ins and outs of rolling over 401(k)s into IRAs and navigating 403(b) transitions. Discover strategies for rebalancing portfolios while addressing the nuances of non-discrimination testing for business owners. The discussion brings to light effective withdrawal strategies, emphasizing risk tolerance and the pitfalls of overly conservative approaches. Political factors and their impacts on financial planning take center stage, while listeners receive practical advice on managing taxable accounts and student loans.
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Withdrawal Rates
A 4% withdrawal rate is generally safe, while 3-3.5% is almost bulletproof historically.
Excessively low withdrawal rates are unnecessary for most.
volunteer_activism ADVICE
Diversification
Diversify your investment portfolio beyond just the S&P 500.
Consider a total stock market fund for broader market exposure.
volunteer_activism ADVICE
529 Plans
Avoid excessively large 529 plan contributions.
College costs are variable, and kids often receive scholarships or work.
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Today we are tackling your questions about retirement accounts. We talk about rolling a 401(k) into and IRA after changing jobs, how to do a 403(b) rollover, and how to pass non discrimination testing for your 401(k) as business owners. We answer a question about rebalancing your portfolio and cover some taxable account questions as well.
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