Retirees: What You Can and Can’t Control About Your RMDs
For a lot of retiree households, required minimum distributions are a nonissue. People need to pull money from their retirement accounts for living expenses, and they don’t need the government to prompt them to do so. Their spending is what it is.
For affluent retiree households, however, RMDs can be a pain in the neck. The early years of retirement are often low tax years, as income from work has stopped and retirees have a lot of control over how much they take from their portfolios and, in turn, their tax bills. But once RMDs commence at age 73, retirees’ taxable income is largely out of their hands, and their tax bills often drift higher.
Source: Morningstar, "Retirees: Here’s What You Can and Can’t Control About Your RMDs," by Christine Benz, Oct 25, 2026.
Shared for informational purposes only. Not investment, tax, or legal advice. Retirementguy.org is not affiliated with the publisher, and the publisher has not endorsed or compensated us.
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