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 * Markets
 * Journal Reports: Personal Investing


HOW TO HANDLE REQUIRED WITHDRAWALS FROM RETIREMENT ACCOUNTS

IN THIS MONTH’S ASK ENCORE: SOME HELPFUL TIPS ON TAPPING RETIREMENT ACCOUNTS, AS
HOLDERS MUST EVENTUALLY DO.

Illustration: Martin Tognola
Glenn Ruffenach
Sept. 4, 2022 12:00 pm ET

Print

Text

210



Is there a recommended strategy for taking required withdrawals from retirement
savings in this horrible market? I’m a buy-and-hold investor; normally, I would
just hunker down, not look at my balances, and ride out this storm.
Unfortunately, the Internal Revenue Service makes me sell stocks at the worst
time. Any recommendations for this unprofitable task?

These questions allow me to tackle several issues involving retirement accounts
and required minimum distributions, or RMDs. These withdrawals, of course, are
part of the bargain we strike with the government when we open an IRA or similar
account: We get decades (if we plan wisely) of tax-deferred growth, but we must
start tapping these savings—and paying taxes on the withdrawals—when we enter
our 70s.


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