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It doesn’t really matter financially, but rolling it over early gives you time to fix any paperwork hiccups long before your first RMD deadline. Waiting until the last weeks of the year just adds risk with zero upside.

Simplifying my RMD Accounts I currently have one 403b and one traditional IRA account. I’m planning to do a rollover of my 403b into my IRA prior to taking my first required RMD in a couple years. This is just to simplify the RMD process as I’ll only have to …

I'm pretty sure it wouldn't make much sense to do that. You could always talk to a professional. If she had a retirement account she would already be subject to RMD (Required Minimum Distributions). There might be some slight advantage to the heirs if she set up a Roth, but …

I'm not panicking, and I'm not repositioning ... ... BUT I DO find November immensely **frustrating** so far. 1 day up, 4 days down. 1 day up, 6 days down. 1 day up, another week down. Overall, my combined portfolio is down about a quarter of a million dollars from …

Should beginners consider Roth conversions early on? I started investing last year after getting my first full-time job in retail at age 25, and I put small amounts into a brokerage account with index funds like VOO to build some savings. My take-home pay is around 40k a year, so …

So the default course of action if you are just under the 10 year rule with no specific RMD amount required, would be to take out 1/10th the first year, 1/9th the 2nd year, etc. To spread out the tax liability. But that depends on the amount involved. If it's …

Start by investing the funds in the inherited IRA (mine came already invested but I the choices made didn't work for me, so I sold and reinvested almost everything). In most years, sell shares, take out the minimum RMD + enough extra to completely fund my Roth IRA and pay …

When an inherited IRA is all in cash, and RMDs have begin... Let's say you inherit a traditional IRA, in which all the funds are in cash/not held in positions, and RMDs are required every year for the next 10 years... What would your course of action be? What would …

There is a point when it's no longer beneficial to contribute to your pre-tax 401k. You'll need to do the calculation since it's a function of your tax rate. Basically, if your (projected) pre-tax 401(k) account could get too large, RMD would become so much that you would end up …