The IRS calculates RMDs by taking the balances of your tax-deferred retirement accounts at the end of the prior year and dividing the total by a number based on your life expectancy factor (see "A step-by-step guide to calculating your RMD"). The denominator gets smaller as your age in...
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Here's an example. Bob, a retirement account holder, turned 74 on Oct. 1. His IRA was worth $205,000 on Dec. 31 of the prior year. To calculate the annual amount to be withdrawn, that prior Dec. 31 balance is divided by the distribution factor from the relevant IRS table. That me...
The beneficiary's age will be used to determine the life expectancy factor. The RMD amount is calculated by dividing the account balance by the factor corresponding to their age in the table. The life expectancy factor for a 68-year-old beneficiary is 20.4. ...
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A:Typically, your plan administrator will calculate your annual RMD and report it to the IRS. To do it yourself, start with your account’s balance as of Dec. 31 of the previous year. Then, divide that figure by the life expectancy factor for individuals your age from the IRS table rele...
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He divides this amount by the life expectancy factor of a person's age and life situation using the IRS Uniform Lifetime Table to arrive at the estimated RMD for the year. For Scott, this factor is 16.4. Using this formula, Scott’s required minimum distribution for the year...
改用read.csv去读,看到DF的中文字符和时间格式显示是OK的,class(某时间字段)是factor,ymd_hms一下又全是NA。 <3>经notepad++转utf-8后的.csv文件,打开.csv文件,中文是乱码(和前述尖角括号还不是同一种样式),时间格式显示OK。 read_csv读进去,DF的中文OK,时间显示OK,class(某时间字段)是character,ymd_hms...