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Author: pauleckler Big funky green star, 20000 posts Top Favorite Fools Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 76421  
Subject: Re: Retirement Funding Date: 2/29/2012 2:07 PM
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Emphatically, keep in mind the RMD merely requires that you begin paying income taxes on funds in your tax preferenced 401K and IRA accounts.

It says nothing about spending the money, and you certainly can reinvest it.

The pretax contributions and gains in your tax preferenced retirement accounts are taxable when distributed. You cannot get your hands on the funds without paying taxes. For planning purposes it is reasonable to discount the value of those accounts by their after tax value. Or by all means, it is best to take those distributions under the lowest tax rates possible.
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