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Retirement tax questions
An RMD is a required amount you must withdraw to spend in your lifetime, so that you can't just keep the tax-protected account, never use it, and pass it to your children. You must spend at least some of it in your lifetime. The amount is calculated from the account balance and your remaining life expectancy.
Because a traditional pension is already calculated based on your life expectancy, and ends when you die (or when your spouse dies if you have a survivorship benefit), it automatically meets any requirement to withdraw the pension over your lifetime. So you can just answer "yes" and move on, any time you are asked about an RMD with respect to a traditional pension.
‎February 2, 2022
8:41 AM