SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. Do withdrawals from my pre-tax IRA and/or 401(k) accounts made before I turn 73 count toward my RMDs? Or do RMDs start at 73 without regard to prior withdrawals? I’m 70 now and still working and collecting Social Security, but plan to retire in 2024. – Luis Unfortunately, withdrawals from an IRA or 401(k) before age 73 do not count toward your eventual required minimum distributions (RMDs). However, you s ...

I’m 68, single and retired. I started claiming Social Security at 65 and my house is paid off completely. I have two fixed annuities: one for $300,000 at 5.5%, due to mature in 2026, and one for $100,000 at 4.5%, due to mature in 2028. RMDs are looming in five years when I will be 73. I don't need the money as I have CDs, stocks and savings. What advice can you give me regarding the two annuities to minimize taxes and ways to possibly reinvest the money. Thank you for your help in this matter and keep up th ...

Key Points Tax considerations with RMDs are especially important. Retirees should also evaluate when the best time is to take their RMDs. Reinvesting RMDs is often a smart move for retirees, but it isn't always the best approach. The $23,760 Social Security bonus most retirees completely overlook › What's the most critical age for retirees after their retirement date? A good case can be made for age 73. Anyone who has money in a tax-deferred retirement account such as a traditional IRA or a 401(k ...

Artem Varnitsin/Shutterstock Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. For many retirees, the holiday season is the perfect time to give back. And there’s one IRS-approved trick that can make that generosity go even further. A qualified charitable distribution, or QCD, is a direct donation from your IRA that can shrink your tax bill while helping your favorite charity. Must Read “It’s one of the IRS’ best-kept secrets for retirees,” Ashton Law ...

Converting your 401(k) to a Roth portfolio will allow you to entirely avoid RMDs. This is a legitimate form of tax planning. However, often there’s a difference between whether you can do something and whether you should; whether it’s allowed, and whether it’s in your long-term best interest. For example, say that you’re 62 years old. You have $1.6 million in a 401(k). If you convert this portfolio to a Roth IRA 10% at a time, you can avoid required minimum distributions on your $1.6 million. However, par ...

If I have a tax-deferred 401(k). Can I convert it to a Roth IRA without paying the deferred taxes when I roll it over? -Tommy Generally, the answer here is no. There’s typically no method to totally dodge taxes on a Roth conversion. Eventually, Uncle Sam will come to collect on your tax-deferred retirement accounts – either when you execute a Roth conversion, withdraw funds or collect your required minimum distributions (RMDs). That said, your inability to totally dodge taxes doesn’t translate to an inab ...

Required minimum distributions, or RMDs, are a problem for some retirees. If that’s your situation, a Roth conversion may be able to help. The advantage to switching your money from a pre-tax portfolio, like a traditional IRA, to a post-tax Roth IRA is an end to RMD concerns. Since you’ve already paid taxes on the money in a Roth account, the IRS does not require minimum withdrawals. The disadvantage is that you have to pay taxes up front, when you convert the funds. Depending on your tax situation, in t ...

2026年联邦所得税税率表发布 - 美国国税局发布了适用于2026年收入及2027年申报的联邦所得税税率表[2][3] - 税率表分为单身申报和夫妻联合申报两类 各包含7个收入区间及对应的边际税率[4] - 最高边际税率为37% 适用于单身申报者收入超过$640,601 或夫妻联合申报收入超过$768,701的情况[4] 税率表对退休规划的战略意义 - 了解自身适用的税率区间有助于制定更明智的退休账户提款策略和顺序 以最小化税负[5] - 大多数退休收入 包括社会保障金 养老金以及IRA和401(k)的强制最低提款额 均需纳税 提款的顺序和时机对税单有重大影响[6] - 来自401(k)和传统IRA等账户的提款计入应税收入 按普通所得税率征税 若不注意税率区间 额外的提款收入可能意外将个人推入更高税率区间[7] 具体规划应用与建议 - 理解税率区间有助于决定从哪些账户提取资金以及提取多少金额 从而规划2026年的总收入以确定税率区间并预估2027年的税单[8] - 税率表可指导战略性决策 例如进行罗斯转换的合适时机 以及评估强制最低提款对税单的影响[3] - 专家建议在低收入年份进行罗斯转换 这可以降低个人及其继承人的税务负担[9]

投资组合再平衡策略 - 再平衡的主要益处是降低风险 通过削减表现优异且估值可能已高的证券 并将资金重新配置到回报滞后但估值更具吸引力的证券上[1] - 对于50岁及以上的投资者 再平衡尤为重要 需要减持风险资产 将资金转向高质量债券等更安全的资产以利用当前有吸引力的收益率[2] - 73岁以上投资者可利用所需最低提款额进行再平衡 通过使用已升值的证券来满足提款要求 从而降低投资组合风险并满足税务义务[3] 退休储蓄配置建议 - 仍在工作并为退休储蓄的投资者需关注美国与非美国市场的资产配置 因为大多数投资者对国际股票的配置不足 同时应考虑风格多元化并关注表现落后的领域[2] - 投资者应审查退休金供款 看是否可以提高甚至用足本年度公司退休计划额度 50岁以上者可进行追加供款 60至63岁人群今年有特殊的追加供款规定[3] - 个人退休账户和健康储蓄账户的供款可截止至报税截止日期[3] 保险覆盖范围评估 - 无论是通过雇主获得医疗保险还是联邦医疗保险的公开投保期 货比三家都至关重要 需评估个人情况变化以及市场上计划的变化[4] - 雇主提供的保险计划变更频繁 因此审查尤为重要 夫妻双方有时各自参加本人公司的保险计划可能比选择其中一方的计划更具成本效益[4]

文章核心观点 - 美国国税局规定大多数税收优惠退休账户的持有人必须从特定年龄开始进行最低必需提款 这通常始于73岁 提款可能引发税务问题 且闲置资金可能无法产生有竞争力的回报 因此需要为这笔资金制定管理策略[1][2][3][4] 最低必需提款规则 - 最低必需提款适用于所有税前退休账户 例如传统IRA和401(k) 但不适用于罗斯IRA 且从2024年起也不再适用于罗斯401(k)[3] - 规则于账户持有人年满73岁时生效 要求每年从每个符合条件的账户中进行最低提款 而非按纳税人统一计算[4] - 最低提款金额基于账户持有人的年龄和账户价值计算 例如 一个73岁持有人若IRA账户有50万美元 则需要在2025年底前至少提取18,867美元 若账户有100万美元 则最低年提款额为37,735美元[5] - 继承的退休账户对继承者也有最低必需提款要求 通常需要在继承后10年内取出资金 但具体规则因账户性质和原持有人情况差异很大[6] 最低必需提款资金管理策略 - 由于73岁的持有人可能仍有数十年的寿命 不应简单地将提款现金存入存款账户[7] - 策略之一是重新配置资金以实现安全增长 例如将资金从增长型资产转向长期安全资产 如存款证明或国债 以最小化风险并防止资金因通胀贬值[7]