Understanding Required Minimum Distributions in Retirement
Inretirement, onceyoureachtheageof73, youarerequiredtostarttakingminimumdistributionsfromyouraccounts.
退休後，一旦您達到 73 歲，您就必須開始從您的帳戶中提取最低分配額。
Theserequiredminimumdistributions (RMDs) comewithacertainamountofcontrolovertiming, amount, andsource.
這些最低分配要求 (RMD) 對時間、金額和來源有一定程度的控制。
TherequiredbeginningdateforRMDsisusuallyApril 1followingtheyearyouturn73.
RMD 的開始日期通常是您年滿 73 歲的隔年 4 月 1 日。
WhilesomeretireestrytodelaytheirfirstRMD, itmaynotalwaysbethebestoption.
雖然一些退休人員試圖推遲他們的第一次 RMD，但這可能並不總是最好的選擇。
Eventhoseoverage73whoarestillworkingmayhaveoptionstodelayRMDsfromcertainaccounts.
即使年齡超過 73 歲且仍在工作的人也可以選擇延遲從某些帳戶中提取 RMD。
OnceRMDsstart, retireescanchoosewhentotakethemduringtheyear.
一旦 RMD 開始生效，退休人員就可以選擇在一年中的什麼時候領取。
SomeopttotakeRMDsearlyforconvenience, whileotherswaituntilyear-endfortaxpurposes.
有些人為了方便而選擇提前領取 RMD，而其他人則為了稅收目的而等到年底。
Contrarytobelief, tryingtotimeRMDsbasedonmarketconditionsmaynotbeeffective.
與人們的看法相反，嘗試根據市場情況來安排 RMD 的時機可能並不有效。
TheamountofRMDisbasedontheaccountbalanceattheendofthepreviousyear.
RMD 的金額是根據上一年度末的帳戶餘額計算的。
RetireeshavesomecontrolovertheamountofRMDstheyhavetotake, withpre-RMDyearsofferingopportunitiestolowertaxobligations.
退休人員對於自己必須領取的 RMD 金額有一定的控制權，而 RMD 之前的幾年則提供了降低納稅義務的機會。
MakingcontributionstoRothaccountsinsteadoftraditionaltax-deferredonescanhelpinthisregard.
向羅斯帳戶而不是傳統的延稅帳戶繳款可以在這方面有所幫助。
TheperiodbeforeRMDskicksinisalsoagoodtimetoconverttraditionalIRAbalancestoRothaccounts.
RMD 生效之前的時期也是將傳統 IRA 餘額轉換為 Roth 帳戶的好時機。
CharitablegivingafterstartingRMDscanhelpreducetaxes.
啟動 RMD 後進行慈善捐贈可以幫助減少稅收。
RetireescanstrategicallychoosewhichaccountstotakeRMDsfromtoalignwithinvestmentgoals.
退休人員可以策略性地選擇從哪些帳戶中提取 RMD，以符合投資目標。
TakingriskoutoftheportfolioorrebalancingholdingsaresomereasonstostrategizeRMDwithdrawals.
消除投資組合的風險或重新平衡持股是製定 RMD 提款策略的一些原因。
It'simportanttocalculateandtakeRMDsfromdifferenttypesofaccountsseparately, suchasIRAsand 401(k)s.
分別計算和提取不同類型帳戶（例如 IRA 和 401(k)）的 RMD 非常重要。
In retirement, once you reach the age of 73, you are required to start taking minimum distributions from your accounts.
These required minimum distributions (RMDs) come with a certain amount of control over timing, amount, and source.
The required beginning date for RMDs is usually April 1 following the year you turn 73.
While some retirees try to delay their first RMD, it may not always be the best option.
Even those over age 73 who are still working may have options to delay RMDs from certain accounts.
Once RMDs start, retirees can choose when to take them during the year.
Some opt to take RMDs early for convenience, while others wait until year-end for tax purposes.
Contrary to belief, trying to time RMDs based on market conditions may not be effective.
The amount of RMD is based on the account balance at the end of the previous year.
Retirees have some control over the amount of RMDs they have to take, with pre-RMD years offering opportunities to lower tax obligations.
Making contributions to Roth accounts instead of traditional tax-deferred ones can help in this regard.
The period before RMDs kicks in is also a good time to convert traditional IRA balances to Roth accounts.
Charitable giving after starting RMDs can help reduce taxes.
Retirees can strategically choose which accounts to take RMDs from to align with investment goals.
Taking risk out of the portfolio or rebalancing holdings are some reasons to strategize RMD withdrawals.
It's important to calculate and take RMDs from different types of accounts separately, such as IRAs and 401(k)s.
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