2024年开始Roth 401K已经没有RMD的限制了，所以不需要73岁必须取钱

当然401K里面的投资选择很少，相对于ROTH IRA来说。

https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs#:~:text=Roth%20IRAs%20do%20not%20require,required%20from%20designated%20Roth%20accounts.

 

Roth IRAs do not require withdrawals until after the death of the owner. Designated Roth accounts in a 401(k) or 403(b) plan are subject to the RMD rules for 2022 and 2023. However, for 2024 and later years, RMDs are no longer required from designated Roth accounts. You must still take RMDs from designated Roth accounts for 2023, including those with a required beginning date of April 1, 2024.

 

所有跟帖： 

• Roth IRA 从来没有RMD 过，就是有存满五年，和继承十年取完规定 -螺丝螺帽- ♀ (0 bytes) () 02/11/2024 postreply 11:56:41