The ABCs of RMDs in a Crazy Market

Barron's Retirement

Read in browser Sponsored By: By Elizabeth O'Brien | Sunday, May 4 Retiring in this country is complicated. First, you have to figure out when to claim Social Security. Then you have to navigate your Medicare options. Both of these tasks, if done right, involve math, and maybe a spreadsheet or two. But the math doesn't end there, because RMDs are right around the corner. Required minimum distributions are Uncle Sam's way of finally getting his share of retirement savings that's grown tax-deferred for decades. Once you turn 73, the IRS requires you to withdraw a certain amount and pay income taxes on it. The amount is based on your age and the value of your RMD-eligible retirement accounts as of Dec. 31 of the prior year. Your brokerage firm can do the calculation for you–but they only know about the money you have with them. Your RMD is based on the value of all your applicable accounts, so if those are spread across firms you're going to have to do the math yourself. Read more about RMDs—and tips for taking them in a volatile market—in today's edition. CONTENT FROM: Stone Ridge Bridge the Gap to Social Security with LDDR It's no secret that Social Security payments increase when retirees delay claiming it. The challenge? Finding a predictable path from retirement to maximum benefits while managing uncertainty about Social Security's future. Investors can potentially bridge both time and reliability gaps with LifeX bond ladders ETFs—designed to provide predictable monthly cash flow for a critical decade. Learn More BARRON'S LATEST The Market Is Swinging Wildly. Should Retirees Wait to Take RMDs? In-kind distributions are another good option for a down market. Target-Date Funds Are Getting Riskier. Should You Worry? Their rising stock allocations might not be for everyone. Warren Buffett's Big Annoucement Barron's Andrew Bary was on the scene when the Oracle of Omaha announced when he would step down. Money Tips and Tricks From People Who Want to Retire Early You don't have to aspire to FIRE to save aggressively. WHAT WE'RE READING 10 Funds That Buy Like Buffett in 2025 These funds invest, either deliberately or serendipitously, like Warren Buffett's Berskhire Hathaway. RESOURCES Social Security Medicare Required Minimum Distribution calculator Getting Ready to Retire? Here's a Planning Guide for the 5 Years Before Your Last Day. Finra's Guide to Social Isolation and the Risk of Investment Fraud The SEC's Guide to Identity Theft, Data Breaches, and Your Investment Accounts Sign up for more newsletters You are currently subscribed as aymentanaze.news@blogger.com Contact us   |   Privacy Notice   |   Cookie Notice Not a subscriber? Subscribe to Barron's now Forward 4300 Route 1 North, South Brunswick, NJ 08852 ©2025 Dow Jones & Company, Inc. All Rights Reserved. Unsubscribe