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Most Recent Question and Answer on NewRetirement Answers...

Hi, I am about 15 years away from retirement. My current retirement account is held in a company ESOP, when I retire this will transferred to a 401k. When I withdraw monies for living expenses from that 401k it will be taxed as income. Will it still be taxed as income if I re-invest monies from that 401k into govt. treasuries, shares bank cds or bank savings accounts? I understand there are IRA CDs that I could roll over into without paying taxes are there also other IRA equivilants? Thanks - Andy
Asked by someone from Pullman, WA on 4/21/2017

You will be taxed for withdrawals no matter how you reinvest the money. Within any qualified (eg. IRA, 401(k) etc.), you can switch securities any way you want without incurring taxes. It's only securities that are outside qualified accounts that are taxed. One thing you might consider is rolling over your 401(k) to a rollover IRA and then to a Roth IRA. The rollover to the Roth will require income tax but not taxed thereafter. The latter is only beneficial is you have outside savings that can be used to pay the tax and only if you will have a higher tax rate in retirement than when exchanged--or you plan to leave it to heirs with high tax rates.

Henry Hebeler
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NewRetirement is a new approach for retirement planning – comprehensive, easy, personalized and designed for regular people. We started this company because our own parents needed help with retirement planning and there were not any affordable and trustworthy resources.

NewRetirement’s calculator is designed for anyone who is worried about their retirement – especially people nearing the end of their careers who are in their 50s and 60s. We help people figure out how to draw down their savings as well as think through things like Social Security, income streams, Medicare, work and phased retirement and how to manage debt, expenses and out-of-pocket medical costs to live as securely as possible.

The system puts you in charge of how you want to use your resources so that you can make better decisions about your future.