I suggest you complete a W-4P for the larger of the two accounts.
- Without a W-4P both funds would not withhold tax for the amount up to the standard deduction.
- This is not affected by tax brackets, but will result in a tax shortfall.
- You would not withhold from the smaller account, but you will from the larger account.
- You would enter the amount of the smaller account in Step 2 box (b)(ii) of the W-4P .
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