RMD divisor shrinks yearly: at 73 earns $56,604, yet 17-year cumulative RMDs approach $1.4 million taxed at 20% federal rate.

If you have reached age 73, or will in the near-future, it is important to understand the regulations associated with required minimum distributions, or RMDs. If you have invested in traditional IRAs ...

When I was younger and earned an entry-level salary, I made a big mistake. I opted to save for retirement in a traditional IRA instead of a Roth account. At the time, I liked the idea of an immediate ...

Most people take RMDs toward the end of the year, which is probably better if you’re doing other things like qualified charitable distributions. First-time RMD takers can delay until April 1, but they ...

Investors with self-directed retirement plans can include many types of alternative assets within their plans. These include real estate, precious metals, private equity funding, promissory notes, ...

The reason RMDs exist is because the IRS eventually wants to collect taxes on retirement savings that have been growing on a tax-deferred basis. Also, the IRS doesn't necessarily want IRAs and 401(k)s ...

I don't have any Roth retirement accounts, so I expect my savings to be subject to required minimum distributions (RMDs). If I don't need my RMDs in their entirety or at all, I won't let the money go ...