RMD

Rjbmr — Wed, 22 Oct 2025 19:46:00 GMT

I have 2 separate 401K accounts being managed by 2 different companies. Would it be an advantage to combine the 2 accounts into one? Will it help when it's time to take the RMD?

Re: RMD

dev145 — Wed, 22 Oct 2025 19:57:51 GMT

The decision to maintain separate 401(k) accounts or combine them is a personal one. Key factors to consider include the expense ratios, plan fees, and investment options available in each plan. While most brokers can provide Required Minimum Distribution (RMD) amounts, it's important to note that RMDs must be withdrawn separately from each 401(k) plan, unlike IRAs where the total RMD can be taken from a single account.

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topic RMD in Retirement tax questions

RMD

Re: RMD