[MR4D]

> which I assume aren't taxed?

It depends on which kind of retirement account. Might be in Roths and Roths-401Ks which are taxed when the money goes in (treated as regular income), or IRAs and regular 401Ks which are taxed as regular income when the money comes out.

[repiret]

But neither Roth nor Traditional 401k/403b/457/IRA are subject to capital gains tax.