{"id":5883,"date":"2022-03-13T15:08:55","date_gmt":"2022-03-13T15:08:55","guid":{"rendered":"http:\/\/www.quicksetupguide.com\/blog\/?p=5883"},"modified":"2022-03-13T15:20:56","modified_gmt":"2022-03-13T15:20:56","slug":"how-to-calculate-required-minimum-distribution-rmd","status":"publish","type":"post","link":"https:\/\/www.quicksetupguide.com\/blog\/2022\/03\/13\/how-to-calculate-required-minimum-distribution-rmd\/","title":{"rendered":"How to Calculate Required Minimum Distribution (RMD)"},"content":{"rendered":"\n

Required minimum distributions (RMDs) are withdrawals you have to make from most retirement plans (excluding\u00a0Roth IRAs<\/a>) when you reach the age of 72 (or 70.5 if you were born before July 1, 1949).<\/p>\n\n\n\n

\u6240\u9700\u7684\u6700\u4f4e\u9000\u4f11\u63d0\u6b3e (RMD) \u662f\u60a8\u5728\u5e74\u6ee1 72 \u5c81\u65f6\u5fc5\u987b\u4ece\u5927\u591a\u6570\u9000\u4f11\u8ba1\u5212\uff08\u4e0d\u5305\u62ec Roth IRA\uff09\u4e2d\u63d0\u53d6\u7684\u6b3e\u9879\uff08\u5982\u679c\u60a8\u5728 1949 \u5e74 7 \u6708 1 \u65e5\u4e4b\u524d\u51fa\u751f\uff0c\u5219\u4e3a 70.5 \u5c81\uff09\u3002<\/p>\n\n\n\n


The amount you must withdraw depends on the balance in your account and your life expectancy as defined by the IRS.\u00a0 <\/p>\n\n\n\n

\u60a8\u5fc5\u987b\u63d0\u53d6\u7684\u91d1\u989d\u53d6\u51b3\u4e8e\u60a8\u5e10\u6237\u4e2d\u7684\u4f59\u989d\u548c IRS \u5b9a\u4e49\u7684\u9884\u671f\u5bff\u547d\u3002 <\/p>\n\n\n\n

RMD Tables<\/strong><\/h2>\n\n\n\n
IRS Uniform Lifetime Table<\/td><\/tr>
Age<\/td>Life Expectancy Factor<\/td><\/tr>
70<\/td>27.4<\/td><\/tr>
71<\/td>26.5<\/td><\/tr>
72<\/td>25.6<\/td><\/tr>
73<\/td>24.7<\/td><\/tr>
74<\/td>23.8<\/td><\/tr>
75<\/td>22.9<\/td><\/tr>
76<\/td>22.0<\/td><\/tr>
77<\/td>21.2<\/td><\/tr>
78<\/td>20.3<\/td><\/tr>
79<\/td>19.5<\/td><\/tr>
80<\/td>18.7<\/td><\/tr>
81<\/td>17.9<\/td><\/tr>
82<\/td>17.1<\/td><\/tr>
83<\/td>16.3<\/td><\/tr>
84<\/td>15.5<\/td><\/tr>
85<\/td>14.8<\/td><\/tr>
86<\/td>14.1<\/td><\/tr>
87<\/td>13.4<\/td><\/tr>
88<\/td>12.7<\/td><\/tr>
89<\/td>12.0<\/td><\/tr>
90<\/td>11.4<\/td><\/tr>
91<\/td>10.8<\/td><\/tr>
92<\/td>10.2<\/td><\/tr>
93<\/td>9.6<\/td><\/tr>
94<\/td>9.1<\/td><\/tr>
95<\/td>8.6<\/td><\/tr>
96<\/td>8.1<\/td><\/tr>
97<\/td>7.6<\/td><\/tr>
98<\/td>7.1<\/td><\/tr>
99<\/td>6.7<\/td><\/tr>
100<\/td>6.3<\/td><\/tr>
101<\/td>5.9<\/td><\/tr>
102<\/td>5.5<\/td><\/tr>
103<\/td>5.2<\/td><\/tr>
104<\/td>4.9<\/td><\/tr>
105<\/td>4.5<\/td><\/tr>
106<\/td>4.2<\/td><\/tr>
107<\/td>3.9<\/td><\/tr>
108<\/td>3.7<\/td><\/tr>
109<\/td>3.4<\/td><\/tr>
110<\/td>3.1<\/td><\/tr>
111<\/td>2.9<\/td><\/tr>
112<\/td>2.6<\/td><\/tr>
113<\/td>2.4<\/td><\/tr>
114<\/td>2.1<\/td><\/tr>
115 and over<\/td>1.9<\/td><\/tr><\/tbody><\/table>\n\n\n\n

\u6bd4\u5982\uff1a\u5047\u5982\u60a8\u7684\u9000\u4f11\u8d26\u6237\u603b\u6570\u4e3a$100\u4e07\uff0c\u90a3\u4e48\u572872\u5c81\u8fd9\u4e00\u5e74\u60a8\u5c31\u5fc5\u987b\u4ece\u8fd9\u4e9b\u8d26\u6237\u4e2d\u81f3\u5c11\u9886\u53d6$100\u4e07 x\n3.65% = $36500\u3002<\/p>\n\n\n\n

* \u5f53\u7136\u8fd9\u662f\u5fc5\u987b\u6ee1\u8db3\u7684\u6700\u5c11\u6570\u989d\uff0c\u60a8\u5b8c\u5168\u53ef\u4ee5\u9886\u53d6\u66f4\u591a\uff0c\u751a\u81f3\u5168\u90e8\u3002<\/p>\n\n\n\n

* \u6240\u6709\u9886\u53d6\u7684\u6570\u989d\u90fd\u6309\u5f53\u5e74\u7684\u6536\u5165\u7eb3\u7a0e\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

Required minimum distributions (RMDs) are withdrawals you have to make from most retirement plans (excluding\u00a0Roth IRAs) when you reach the age of 72 (or 70.5 if you were born before July 1, 1949). \u6240\u9700\u7684\u6700\u4f4e\u9000\u4f11\u63d0\u6b3e (RMD) \u662f\u60a8\u5728\u5e74\u6ee1 72 \u5c81\u65f6\u5fc5\u987b\u4ece\u5927\u591a\u6570\u9000\u4f11\u8ba1\u5212\uff08\u4e0d\u5305\u62ec Roth IRA\uff09\u4e2d\u63d0\u53d6\u7684\u6b3e\u9879\uff08\u5982\u679c\u60a8\u5728 1949 \u5e74 7 \u6708 1 \u65e5\u4e4b\u524d\u51fa\u751f\uff0c\u5219\u4e3a 70.5 \u5c81\uff09\u3002 The amount you must withdraw depends on … Continue reading How to Calculate Required Minimum Distribution (RMD)<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-5883","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.quicksetupguide.com\/blog\/wp-json\/wp\/v2\/posts\/5883","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.quicksetupguide.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.quicksetupguide.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.quicksetupguide.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.quicksetupguide.com\/blog\/wp-json\/wp\/v2\/comments?post=5883"}],"version-history":[{"count":4,"href":"https:\/\/www.quicksetupguide.com\/blog\/wp-json\/wp\/v2\/posts\/5883\/revisions"}],"predecessor-version":[{"id":5890,"href":"https:\/\/www.quicksetupguide.com\/blog\/wp-json\/wp\/v2\/posts\/5883\/revisions\/5890"}],"wp:attachment":[{"href":"https:\/\/www.quicksetupguide.com\/blog\/wp-json\/wp\/v2\/media?parent=5883"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.quicksetupguide.com\/blog\/wp-json\/wp\/v2\/categories?post=5883"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.quicksetupguide.com\/blog\/wp-json\/wp\/v2\/tags?post=5883"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}