RMD에 대해서 A. RMD란 무엇인가? RMD는 Required Minimum Distribution의 약자인데, 일정한 나이를 지나면 정부에서 최소한 이만큼 (Required Minimum)을 절세계좌에서 빼야(Distribute) 한다는 규정이 있습니다. RMD는 정부가 “너 통계상 죽을 때 너무 많은 돈을 절세계좌에 남겨두면 좋을 것 없으니 미리미리 빼라”는 개념으로 72세 부터는 꼬박꼬박 빼야됩니다. B. RMD는 어떤 계좌에 해당되는가? 쉽게 말하면 Roth IRA를 제외한 모든 은퇴계좌에 해당됩니다. Traditional IRA, Pretax/Traditional 401k, 403b, 457b는 물론, 심지어 Roth 401k, 403b, 457b에도 RMD가 있습니다. 단, Roth 401k/403b등에도
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