required minimum distributions (RMDs)
News, insights and expert analysis on required minimum distributions rmds from the team at Kiplinger.
Starting at age 73, Uncle Sam requires taxpayers to draw down their retirement account savings through RMDs — annual required minimum distributions. And not only do you need to calculate how much must be withdrawn each year, but you must also pay the tax on the distributions. If you'd like to know more about the basic rules, start with our beginner's guide: everything you should know about RMDs then work your way through our other features and guides on smart strategies to minimize taxable distributions and make the most of the money that you must withdraw.
Latest
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I'm a Financial Planner: How You Can Get Started With RMDs
The IRS will come knocking for its share of your tax-deferred retirement savings when you hit 73, but planning ahead for RMDs will ensure you're ready.
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Required Minimum Distributions (RMDs): Rules, Deadlines, and SECURE 2.0 Changes
RMDs Here are some basics to know about RMDs and how these distributions can impact your taxes.
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Seven Moves for High-Net-Worth People Before End of 2025
It's time to focus on how they can potentially reduce their taxes, align their finances with family goals and build their financial confidence for the new year.
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I have to take a $22,000 RMD by the end of the year, and I don't need the money. What should I do with it?
We ask financial experts for advice.
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Two Alternatives to Required Minimum Distributions (RMDs)
required minimum distributions (RMDs) If the thought of paying taxes on your RMDs is stressing you out, consider these two options to save on taxes and anxiety.
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How to Calculate RMDs (Required Minimum Distributions)
Tools Understand when and how to calculate RMDs and avoid stiff penalties from your tax-deferred IRA.
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Eight Things No One Tells You About Retirement
Making Your Money Last As you advance toward retirement, it's a good idea to start sharpening the focus of your retirement vision.
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New RMD Rules: Starting Age, Penalties, Roth 401(k)s, and More
RMDs The SECURE 2.0 Act makes major changes to the required minimum distribution rules.
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Avoid Estimated Tax Payments in Retirement With RMD Withholding
RMDs If you don't need the money to live on, wait until December to take your RMD, and ask the sponsor to withhold a big chunk for the IRS.
RMDs
