This week’s theme on the Retirement Quick Tips Podcast is: Maximizing Net After Tax Returns In Your Investment Portfolio

Today, I’m talking about the top 3 considerations when deciding where and how to invest your money, especially when deciding between funding different account types - like a Roth vs. a taxable account, vs. a Traditional 401k.

• Tax rates now - marginal, including state taxes 

• The term "marginal tax rate" refers to the tax rate paid on your last dollar of taxable income

• Future tax rates - likely higher or lower when money is needed?

• Timeline for needing the funds - 5 years for buying a house or 10 or 20 years for annual income in retirement? 

These factors should all help you determine both which accounts you should be prioritizing saving in, and which types of investments you should own in those accounts (more on that tomorrow)

That’s it for today. Thanks for listening! My name is Ashley Micciche and this is the Retirement Quick Tips podcast.   

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Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance