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Investing Specialists

7 Tips for RMD Season

Reducing the tax pain and improving your portfolio, too.

Complaining about required minimum distribution from 401(k)s might seem a little like grousing that the pool is too crowded in Florida during high season. It may be a nuisance, but in the scheme of things, it's a high-class problem to have. 

That's because for the majority of retiree households, RMDs are a nonissue. They're spending more than they're required to from their IRAs, so they don't need the IRS to tell them how much they must take out annually. (For better or for worse, there are no limits on the maximum you can take out of your IRAs.)