算一下何時開始取401K比較好

今天有空做一個表格，算一下何時開始取401K比較好。

假設從5百萬開始。

按5%的回報率。拿12年本金並沒有減少，而且稅率會從22%，24%到32%，拿到100歲還有2百多萬。

如果從62歲開始取，也就是拿到90歲還有2百多萬.

如果401K賬號接近5百萬，早退早取早享受不失為上。

 

AGE	DIVISOR	RMD	5,000,000.00	1.05
72	27.40	182,481.75	5,058,394.16
73	26.50	190,882.80	5,110,886.93
74	25.50	200,426.94	5,155,982.99
75	24.60	209,592.80	5,193,709.70
76	23.70	219,143.87	5,223,294.12
77	22.90	228,091.45	5,244,962.81
78	22.00	238,407.40	5,256,883.18
79	21.10	249,141.38	5,258,128.88
80	20.20	260,303.41	5,247,716.75
81	19.40	270,500.86	5,226,076.68
82	18.50	282,490.63	5,190,765.35
83	17.70	293,263.58	5,142,376.86
84	16.80	306,093.86	5,078,097.15
85	16.00	317,381.07	4,998,751.88
86	15.20	328,865.26	4,903,380.96
87	14.40	340,512.57	4,791,011.81
88	13.70	349,708.89	4,663,368.06
89	12.90	361,501.40	4,516,960.00
90	12.20	370,242.62	4,354,053.24
91	11.50	378,613.33	4,174,211.91
92	10.80	386,501.10	3,977,096.35
93	10.10	393,771.92	3,762,490.66
94	9.50	396,051.65	3,534,760.96
95	8.90	397,164.15	3,294,476.65
96	8.40	392,199.60	3,047,390.90
97	7.80	390,691.14	2,789,534.74
98	7.30	382,128.05	2,527,777.03
99	6.80	371,731.92	2,263,847.37
100	6.40	353,726.15	2,005,627.28
101	6.00	334,271.21	1,754,923.87
102	5.60	313,379.26	1,513,621.84
103	5.20	291,081.12	1,283,667.75
104	4.90	261,973.01	1,072,779.48
105	4.60	233,212.93	881,544.88
106	4.30	205,010.44	710,361.16
107	4.10	173,258.82	563,957.46
108	3.90	144,604.48	440,320.63
109	3.70	119,005.58	337,380.81
110	3.50	96,394.52	253,035.61
111	3.40	74,422.24	187,544.04
112	3.30	56,831.53	137,248.14
113	3.10	44,273.59	97,623.27
114	3.00	32,541.09	68,336.29
115	2.90	23,564.24	47,010.65
116	2.80	16,789.52	31,732.19
117	2.70	11,752.66	20,978.50
118	2.50	8,391.40	13,216.46
119	2.30	5,746.29	7,843.68
120	2.00	3,921.84	4,117.93