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Subject:  Re: Past 70-1/2 Date:  12/10/2007  8:34 PM
Author:  TurkeyBreath Number:  22736 of 26309

Upon 70-1/2 one must begin to withdraw the Required Minimum Distribution, starting with [total $401k/27.4],from his/her 401k. May one continue to contribute into his/her 401k when past 70-1/2 years old?

Yes, assuming you're still working for the sponsor. Under such circumstances you can also delay starting RMD's until you leave unless you're a significant percentage owner. (Your plan may require you to take then anyway, but tax law doesn't.)

See IRS Publication 575.


Thanks Phil. However Pub 575 is 'Pension and Annuity Income'. Skimming Pub 575 has not proved fruitful.

I wonder if you may have meant the answer to my question is buried in Pub 590 'Individual Retirement Arrangement (IRAs'.

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