這個表告訴你，退休賬戶72歲後必須取多少？

百分數是取Distribution period (in years)的倒數而得來的。

IRA required minimum distributions（RMD） table 2023

https://www.bankrate.com/retirement/ira-rmd-table/

https://www.irs.gov/pub/irs-pdf/p590b.pdf

 

How much do you need to withdraw? The exact distribution amount changes from year to year and is based on your life expectancy. It is calculated by dividing an account’s year-end value by the estimated remaining years of your lifetime, in a table provided by the IRS.

The table shown below is the Uniform Lifetime Table, the most commonly used of three life-expectancy charts that help retirement account holders figure mandatory distributions. The IRA has other tables for beneficiaries of retirement funds and account holders who have much younger spouses.

 

IRA required minimum distribution (RMD) table
Age of retiree	Distribution period (in years)	%	Age of retiree	Distribution period (in years)	%
72	27.4	3.65	97	7.8	12.82
73	26.5	3.77	98	7.3	13.70
74	25.5	3.92	99	6.8	14.71
75	24.6	4.07	100	6.4	15.63
76	23.7	4.22	101	6	16.67
77	22.9	4.37	102	5.6	17.86
78	22	4.55	103	5.2	19.23
79	21.1	4.74	104	4.9	20.41
80	20.2	4.95	105	4.6	21.74
81	19.4	5.15	106	4.3	23.26
82	18.5	5.41	107	4.1	24.39
83	17.7	5.65	108	3.9	25.64
84	16.8	5.95	109	3.7	27.03
85	16	6.25	110	3.5	28.57
86	15.2	6.58	111	3.4	29.41
87	14.4	6.94	112	3.3	30.30
88	13.7	7.30	113	3.1	32.26
89	12.9	7.75	114	3	33.33
90	12.2	8.20	115	2.9	34.48
91	11.5	8.70	116	2.8	35.71
92	10.8	9.26	117	2.7	37.04
93	10.1	9.90	118	2.5	40.00
94	9.5	10.53	119	2.3	43.48
95	8.9	11.24	120 and older	2	50.00
96	8.4	11.90

 

所有跟帖： 

• 多少人能活那麽久 -CRUSH- ♂ (0 bytes) () 02/02/2023 postreply 10:50:52

• 明天還能醒過來就很滿意了 -又當爹來又當媽- ♀ (0 bytes) () 02/02/2023 postreply 10:54:01

• 多久是那麽久？72還是120？ -StopBy- ♂ (0 bytes) () 02/02/2023 postreply 10:54:44

• 150吧 -CRUSH- ♂ (0 bytes) () 02/02/2023 postreply 10:56:04

• 你如果有生之年提不完，遺產繼承人也必須每年按一個百分比提，再繳稅。如果不想給孩子添麻煩 -maze0616- ♀ (36 bytes) () 02/02/2023 postreply 10:57:08

• 是的，但百分比小一點。另外還有張表。 -StopBy- ♂ (0 bytes) () 02/02/2023 postreply 11:01:54

• 遺產10年必須提完，可能交更多的稅 -遙遙- ♀ (0 bytes) () 02/02/2023 postreply 11:06:31

• +1 -maze0616- ♀ (0 bytes) () 02/02/2023 postreply 11:11:19

• 加拿大也有類似規定 有平時存的RRST 到70歲後每年有至少提取比例的規定 -hhhh- ♀ (0 bytes) () 02/02/2023 postreply 11:01:23

• 那個百分比是至少？多拿沒限製？ -xiangbuming- ♂ (0 bytes) () 02/02/2023 postreply 11:03:43

• 這個表是最低提取比例，多拿沒問題 -maze0616- ♀ (0 bytes) () 02/02/2023 postreply 11:12:43

• 全拿了回國得了 -xiangbuming- ♂ (0 bytes) () 02/02/2023 postreply 11:19:30

• 這好像是個loophole -maze0616- ♀ (0 bytes) () 02/02/2023 postreply 11:30:28

• 是至少，多拿沒限製。多拿的不能carry over。 -StopBy- ♂ (45 bytes) () 02/02/2023 postreply 11:56:57

• 沒看懂 -每天砍樹- ♀ (0 bytes) () 02/02/2023 postreply 11:17:54

• 右邊的一半應該在下麵 -maze0616- ♀ (0 bytes) () 02/02/2023 postreply 11:33:29