ACCOUNT INFORMATION
Select your location
Wer bist du ?
Wählen Sie einen anderen Ort
Who are you ?
Select another location
Who are you ?
Select another location
Qui êtes vous ?
Sélectionnez un autre emplacement
Who are you ?
Select another location
Qui êtes vous ?
Sélectionnez un autre emplacement
Who are you ?
Select another location
Who are you ?
Select another location
Who are you ?
Select another location
Qui êtes vous ?
Sélectionnez un autre emplacement
Wer bist du ?
Wählen Sie einen anderen Ort
Who are you ?
Select another location
Who are you ?
Select another location
Who are you ?
Select another location
Who are you ?
Select another location
Who are you ?
Select another location
tu chi sei ?
Seleziona un'altra posizione
Wer bist du ?
Wählen Sie einen anderen Ort
Who are you ?
Select another location
Qui êtes vous ?
Sélectionnez un autre emplacement
Who are you ?
Select another location
Who are you ?
Select another location
Who are you ?
Select another location
Who are you ?
Select another location
Who are you ?
Select another location
Quién eres tú ?
Seleccione otra ubicación
Who are you ?
Select another location
Wer bist du ?
Wählen Sie einen anderen Ort
Who are you ?
Select another location
Qui êtes vous ?
Sélectionnez un autre emplacement
Who are you ?
Select another location
Who are you ?
Select another location
Who are you ?
INSTITUTIONS
Select another location
Who are you ?
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
-
INVESTMENT OPTIONS
MUTUAL FUND RESOURCES
RETIREMENT
MORE OFFERINGS
OUR APPROACH
-
-
IRS uniform lifetime table
Use this table for calculating lifetime RMDs from IRAs and retirement plan accounts.
Example: Brian is a retired 401(k) participant who turned 76 on March 31. His daughter, Susan, is the beneficiary on his account. On December 31 of last year, the ending balance in his 401(k) was $262,000. To calculate his RMD for this year, he divides $262,000 by his life expectancy factor of 23.7 years. His distribution amount is $11,054.85.
Account balance / Life expectancy factor = RMD
$262,000 / 23.7 = $11,054.85
Withdrawals before age 59½ may be subject to income tax and, if applicable, to a 10% federal tax penalty.
Account owner’s age |
Life expectancy factor |
Account owner’s age |
Life expectancy factor |
|---|---|---|---|
72 |
27.4 |
97 |
7.8 |
73 |
26.5 |
98 |
7.3 |
74 |
25.5 |
99 |
6.8 |
75 |
24.6 |
100 |
6.4 |
76 |
23.7 |
101 |
6.0 |
77 |
22.9 |
102 |
5.6 |
78 |
22.0 |
103 |
5.2 |
79 |
21.1 |
104 |
4.9 |
80 |
20.2 |
105 |
4.6 |
81 |
19.4 |
106 |
4.3 |
82 |
18.5 |
107 |
4.1 |
83 |
17.7 |
108 |
3.9 |
84 |
16.8 |
109 |
3.7 |
85 |
16.0 |
110 |
3.5 |
86 |
15.2 |
111 |
3.4 |
87 |
14.4 |
112 |
3.3 |
88 |
13.7 |
113 |
3.1 |
89 |
12.9 |
114 |
3.0 |
90 |
12.2 |
115 |
2.9 |
91 |
11.5 |
116 |
2.8 |
92 |
10.8 |
117 |
2.7 |
93 |
10.1 |
118 |
2.5 |
94 |
9.5 |
119 |
2.3 |
95 |
8.9 |
120+ |
2.0 |
96 |
8.4 |
|
|
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.
This material does not constitute legal or tax advice. Investors should consult with their legal or tax advisors.
All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund. All other company and product names mentioned are the property of their respective companies.
Use of this website is intended for U.S. residents only.
American Funds Distributors, Inc.
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.