So funktioniert's
- Use the formula below with your own figures.
Die Formel
RMD = balance ÷ life-expectancy factor.
Rechenbeispiel
Factors fall with age, so required amounts rise over time.
Häufige Fragen
Why do RMDs exist?
To ensure tax-deferred savings are eventually taxed.
What if I skip one?
Penalties can be steep — plan ahead.
Tipps
- Start early; a decade of compounding is hard to replace.
- Always capture any employer match in full.
- Revisit your plan yearly as income changes.
Begriffe
- Nest egg
- Total retirement savings.
- Drawdown
- Withdrawing from a pot over time.
- Match
- Employer contributions to your plan.