Here are some of the latest reports, surveys, and studies related to retirement, including research into tax-efficient withdrawal strategies, tontine bond ladders and old codgers.

Tax-Efficient Withdrawal Strategies for 401(k)s and Taxable Accounts

The authors of this research, James DiLellio, of Pepperdine University's Graziadio School of Business and Management, and Daniel N Ostrov, of Santa Clara University, have constructed an algorithm for U.S. retirees that computes individualized tax-efficient annual withdrawals from IRAs/401(k)s, Roth IRAs/Roth 401(k)s, and taxable accounts.

The authors write that their algorithm applies a new approach that generates an individualized strategy that results in consistent improvements over non-individualized withdrawal strategies currently advocated by financial institutions and academics. Among other results, they, write, they quantifiably demonstrate why retirees should avoid, not seek, dividend producing stocks in their taxable accounts. The model, which can work to optimize either portfolio longevity or the bequest to an heir, accommodates many salient tax code features, including dividends, different taxable lots, conversions, and required minimum distributions.

Read more from SSRN: Constructing Tax Efficient Withdrawal Strategies for Retirees with Traditional 401(k)/IRAs, Roth 401(k)/IRAs, and Taxable Accounts

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Got questions about the new tax law, Social Security, retirement, investments, or money in general? Want to be considered for a Money Makeover? Email Robert.Powell@TheStreet.com.

Here are some of the latest reports, surveys, and studies related to retirement, including research into tax-efficient withdrawal strategies, tontine bond ladders and old codgers.

Tax-Efficient Withdrawal Strategies for 401(k)s and Taxable Accounts

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