RMD 不是衡量， 这是我今天学到的。4%是按年龄的某一段。看我找到的

The 2025 RMD (Required Minimum Distribution) table uses the IRS Uniform Lifetime Table, which determines your withdrawal factor (life expectancy) based on your age at the beginning of the year (e.g., age 73 gets 26.5, age 74 gets 25.5). To calculate your 2025 RMD, you divide your retirement account balance from December 31, 2024, by your age's factor from the table. The RMD age is 73 for those turning 72 in 2023 or later, with the first deadline potentially being April 1st of the year after you turn 73.  

 

Key points for 2025 RMDs

• Uniform Lifetime Table: 

  This table is used by most IRA owners, except for spouses who are the sole primary beneficiary and are more than 10 years younger. 

   

• Age 73: 

  For those turning 73 in 2025, the first distribution is due by April 1, 2026, but taking it by December 31, 2025, can split the income over two tax years. 

   

• Use prior year's balance: 

  Use your account balance as of December 31, 2024, to calculate your 2025 RMD. 

   

Sample 2025 RMD Factors (Uniform Lifetime Table)

Age (in 2025)	Distribution Period (Factor)
73	26.5
74	25.5
75	24.6
76	23.7
77	22.9
80	20.2
90	12.2
100	6.4

 

 

Source: Charles Schwab, Bankrate, Fidelity

How to Calculate

• Find your balance: Get your IRA balance on Dec. 31, 2024.

• Find your factor: Look up your age (what you turn in 2025) on the table to find your factor.

• Divide: Divide the balance by the factor to get your RMD.