Another difference is that your 401k will be subject to mandatory withdrawals - about 3 pct per year I believe - when you become 70.5 years old. The Roth does not have mandatory withdrawals. These have tax consequences - the non-Roth withdrawals are taxed at that time.Sorry - you need to be more specific than just 'Roth' and '401(k)' when talking about RMDs (Required Minimum Distributions) at 70 1/2, because Roth 401(k)s DO require RMDs.Roth IRA - no RMD required, no taxes due on withdrawal (assuming all other rules met) Roth 401(k) - RMD required at 70 1/2, no taxes due on withdrawal (assuming all other rules met)Traditional IRA - RMD required at 70 1/2, taxed at your marginal rateTraditional 401(k) - RMD required at 70 1/2, taxed at your marginal rateInherited accounts have different RMD rulesRules for 401(k) RMDs can be found in IRS Pub 575 http://www.irs.gov/pub/irs-pdf/p575.pdfRules for IRA RMDs can be found in IRS pub 590 http://www.irs.gov/pub/irs-pdf/p590.pdfThe required amount for RMDs is based on life expectancy tables published in IRS pub 590 with several examples on how to calculate. For many people, the initial RMD would start at about 3.7% of the account balance (increasing from there) but the tables, and maybe the rules, are likely to change between now and when the OP hits 70 1/2AJ
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