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Investing Specialists

Don't Be Dogmatic About Retirement-Portfolio Withdrawals

In high- (or low-) tax years, retirees may have reason to flout the rules of thumb on withdrawal sequencing.

Note: This article is part of Morningstar's Tax Relief Week. A version of this article appeared on Sept. 21, 2016.

Required minimum distributions first. Taxable accounts next, followed by traditional IRAs and 401(k)s. Roth IRAs and 401(k)s last.