华府— 美国国税局今天提醒在2022年年满 72 岁的退休人员,在大多数情况下,2023 年 4 月 1 日,是从个人退休帐户 (IRA) 、401(k) 和类似的工作场所退休帐户中开始取钱的最后一天。 该款项,称为规定最低提领额required minimum distributions ,也就是RMDs,通常在年底前领取。但是,任何在2022年年满 72 岁的...
IRA required minimum distribution (RMD) table Age of retireeDistribution period (in years)Age of retireeDistribution period (in years) Source: Internal Revenue Service (IRS) 7227.4977.8 7326.5987.3 7425.5996.8 7524.61006.4 7623.71016.0 7722.91025.6 ...
另外一种情况,假设一个纳税人向IRA供款,且其未从雇主那获得退休计划,但其配偶已有退休计划。这种情况下,2023年影响可扣除金额逐渐减少的收入范围是218,000至228000美元。对于2024年,是230000至240000美元。 五、Required Minimum Distributions(RMD) 如同401(k), 必要的最低分配(required minimum distribution, 简称...
If before the date of required distributions, then the entire amount must be distributed by the 5th year after the year of death; otherwise, distributions to non-spouse beneficiaries must be at least equal to the RMD based on the life expectancy of the beneficiary in the year of the donor'...
Beginning in 2025, many IRA beneficiaries will be required to take annual withdrawals or incur a penalty. This rule generally applies to non-spousal beneficiaries if the original account owner had already reached the RMD age before death. Previously, heirs could stretch out inherited IRA ...
As of January 1, 2023, the age for taking (RMDs) required minimum distributions has been raised from 72 to 73. This applies to withdrawals from traditional IRAs and 401(k)s, as well as SIMPLE and SEP IRAs. (Roth account owners are exempt from RMDs.) ...
Required minimum distributions (RMDs) In 2023, no RMDs until after the owner dies; in 2024 and beyond, no RMDs Must start taking RMDs after age 73 (72 if you reached that age prior to Dec. 31, 2022) *If certain conditions met IRA vs 401(k) Unlike traditional and Roth individual...
华府2022 年 12 月 12 日—美国国税局今天提醒那些出生于 1950 年或更早的人,他们的退休计划和个人退休安排中的资金面临重要的最低提领额,纳税人需提取最低额度以避免处罚。 规定最低提领额 (RMD) (Required minimum distributions)指的是,许多退休计划和 IRA 账户所有者在他们达到 72 岁后通常必须每年提取的...
Required Minimum Distributions (RMDs) Required minimum distributions (RMDs) are withdrawals that owners of traditional IRA and 401(k) accounts must take every year after they reach a certain age. The age has been revised upwards a couple of times. As of Jan. 1, 2023, an account holder must...
As of Jan. 1, 2023, the age at which required minimum distributions (RMDs) must begin is 73. That applies to withdrawals from traditional IRA and 401(k) accounts as well as SIMPLE and SEP IRAs. (Roth account owners aren’t subject to RMDs.) The penalty for failing to take an RMD is...