On 7/9/21 11:58 AM, Boris wrote:
> How does one calculate the Required Minimum Disbursement from a 401(k)
> rollover or IRA?
Over and above the other replies, you do need to know some other facts
about minimum required distributions (MRDs) from IRAs and 401(k)s.
While we are at it, let's throw in 403(b)s.
Excluding inherited IRAs, MRDs from your non-Roth IRAs can all get
combined. I.e., after you calculate the MRD for each of your non-Roth
IRAs (traditional IRAs, SEP IRAs, and SIMPLE IRAs), you can total them
up and take that total MRD from any combination of those accounts.
Inherited IRAs have their own calculation (different set of rules) and
you must take the MRD from the inherited IRA.
403(b)s work like the above IRAs. You calculate the MRD from each
403(b, get a total and take the total MRD from any combination of the
401(k)s work slightly differently. You calculate the MRD from each
company 401(k) and you MUST take each company's MRD from that company's