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Strategies & Market Trends : Young and Older Folk Portfolio

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To: macbolan who wrote (23693)12/19/2025 11:27:10 AM
From: Steve Mac2 Recommendations

Recommended By
jvincen2
macbolan

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Re: Question about RMDs

I've researched this before, but didn't remember all the details. So I looked it up again. Here's the quick AI response:

How RMDs Work with Multiple IRAs
• Calculation:
• Each IRA’s RMD is calculated individually based on its year-end balance and your IRS life expectancy factor.
• Aggregation Rule:
Once you know the RMD amounts for each IRA, you can aggregate them and take the total required amount from one IRA or split it across multiple IRAs.
• This flexibility applies to Traditional IRAs, SEP IRAs, and SIMPLE IRAs.
• Contrast with Other Accounts:
• For 401(k)s, RMDs must be taken separately from each account.
• For 403(b)s, you can aggregate across accounts, similar to IRAs.
• Roth IRAs: No RMDs are required during the owner’s lifetime.
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