A viewer named Steve asked the following quesiont:

I have searched up and down and no one...seriously no one...has a video on how you withdraw in retirement when you have multiple funds in 1 account. The only videos out there are what buckets to pull from first, but not how to withdraw from a source in retirement.

Let's say you have a 401K with a Total Stock Market Fund, Small Cap, Reit, and Bonds.at 25% across the board. Now in retirement...how do you take out the 4%? Is it 1% for each fund?
What if they were not all 25% and were all at different percentage amounts...how do you decide which one to deplete first?

Further, what if you have a 401K and traditional IRA and now the total funds across the board is 6 (4 and 2). How does that work when withdrawing by funds?

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ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.

I'm also the author of Retire Before Mom and DadThe Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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