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INSTITUTIONS
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RETIREMENT PLAN INVESTOR
Use your plan ID (available on your account statement) to determine which employer-sponsored retirement plan website to use:
IF YOUR PLAN ID BEGINS WITH IRK, BRK, 1 OR 2
Visit americanfunds.com/retire
IF YOUR PLAN ID BEGINS WITH 34 OR 135
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IRS joint life and last survivor expectancy table
Use this table to calculate required minimum distributions (RMDs) from IRAs and retirement plan accounts when the spouse beneficiary is more than 10 years younger.
RMD = Account balance ÷ Life expectancy factor (from the table below)
Example: Jessica is an IRA owner, and her husband, Jeff, is the sole beneficiary on her account. On December 31 of last year, Jessica’s ending account balance was $262,000. Jessica turns 72 this year, and Jeff turns 60. To calculate her RMD for this year, Jessica divides $262,000 by the life expectancy factor of 28.8 years. Her distribution amount is $9,097.22.
Please note that this is a partial table. For the complete table, please refer to IRS Publication 590-B.
|
|
|
Your age |
|
|
|
|
|
|
|
|
|
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
|
|
70 |
71 |
72 |
73 |
74 |
75 |
76 |
77 |
78 |
79 |
80 |
Your spouse |
69 |
23.9 |
23.4 |
23.1 |
22.7 |
22.4 |
22.1 |
21.8 |
21.5 |
21.3 |
21.1 |
20.9 |
|
68 |
24.3 |
24.0 |
23.6 |
23.3 |
23.0 |
22.7 |
22.4 |
22.2 |
22.0 |
21.8 |
21.6 |
||
|
|
67 |
24.9 |
24.5 |
24.2 |
23.9 |
23.6 |
23.3 |
23.1 |
22.9 |
22.7 |
22.5 |
22.3 |
|
|
66 |
25.4 |
25.1 |
24.8 |
24.5 |
24.2 |
24.0 |
23.7 |
23.5 |
23.4 |
23.2 |
23.1 |
|
|
65 |
26.0 |
25.7 |
25.4 |
25.1 |
24.9 |
24.6 |
24.4 |
24.3 |
24.1 |
23.9 |
23.8 |
|
|
64 |
26.6 |
26.3 |
26.0 |
25.8 |
25.5 |
25.3 |
25.2 |
25.0 |
24.8 |
24.7 |
24.6 |
|
|
63 |
27.2 |
26.9 |
26.7 |
26.5 |
26.2 |
26.1 |
25.9 |
25.7 |
25.6 |
25.5 |
25.3 |
|
|
62 |
27.9 |
27.6 |
27.4 |
27.2 |
27.0 |
26.8 |
26.6 |
26.5 |
26.4 |
26.2 |
26.1 |
|
|
61 |
28.5 |
28.3 |
28.1 |
27.9 |
27.7 |
27.5 |
27.4 |
27.3 |
27.1 |
27.0 |
26.9 |
|
|
60 |
29.2 |
29.0 |
28.8 |
28.6 |
28.4 |
28.3 |
28.2 |
28.0 |
27.9 |
27.8 |
27.8 |
|
|
59 |
29.9 |
29.7 |
29.5 |
29.4 |
29.2 |
29.1 |
29.0 |
28.8 |
28.7 |
28.7 |
28.6 |
|
|
58 |
30.7 |
30.5 |
30.3 |
30.1 |
30.0 |
29.9 |
29.8 |
29.7 |
29.6 |
29.5 |
29.4 |
|
|
57 |
31.4 |
31.2 |
31.1 |
30.9 |
30.8 |
30.7 |
30.6 |
30.5 |
30.4 |
30.3 |
30.3 |
|
|
56 |
32.2 |
32.0 |
31.9 |
31.7 |
31.6 |
31.5 |
31.4 |
31.3 |
31.2 |
31.2 |
31.1 |
|
|
55 |
33.0 |
32.8 |
32.7 |
32.6 |
32.4 |
32.4 |
32.3 |
32.2 |
32.1 |
32.0 |
32.0 |
|
|
54 |
33.8 |
33.6 |
33.5 |
33.4 |
33.3 |
33.2 |
33.1 |
33.0 |
33.0 |
32.9 |
32.9 |
|
|
53 |
34.6 |
34.5 |
34.3 |
34.2 |
34.1 |
34.1 |
34.0 |
33.9 |
33.9 |
33.8 |
33.7 |
|
|
52 |
35.4 |
35.3 |
35.2 |
35.1 |
35.0 |
34.9 |
34.9 |
34.8 |
34.7 |
34.7 |
34.6 |
|
|
51 |
36.2 |
36.1 |
36.0 |
36.0 |
35.9 |
35.8 |
35.7 |
35.7 |
35.6 |
35.6 |
35.5 |
Use the ages you and your spouse will be on this year’s birthdays.
Source: Internal Revenue Service, effective January 1, 2022
Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.
Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.
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Use of this website is intended for U.S. residents only.
American Funds Distributors, Inc., member FINRA.
This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.