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I’m already taking RMDs
Less than 5 years
5-10 years
10+ years
Yes, I’ve done the math
No, but I plan to calculate it soon
No, I haven’t thought about it
I don’t know what RMDs are
Yes, I have an estimate
No, but I plan to check with my tax advisor
I’m not sure what an RMD’s impact on taxes is
Yes, I track my investments closely
I know roughly, but haven’t checked recently
No, I haven’t looked at that in a while
I don’t track interest and dividends
No, my portfolio is focused on generating income
Somewhat, but I am looking at other options
Yes, my portfolio is still focused on growth
I don’t know what my portfolio focuses on
You’re on Track for RMDs!
Great job! You’re ahead of the game when it comes to understanding your RMDs and their impact. You’ve done the math and are actively planning for your retirement distribution. Just be sure to keep reviewing your portfolio and tax strategies as you approach RMD age!
You’re Getting There!
You’re on the right path, but there are a few things you still need to address. You’ve got the basics down, but it might be time to start calculating your RMDs and evaluating how taxes will affect your income. Consider consulting a tax advisor to make sure you’re fully prepared.
You Might Need to Start Preparing Soon
It looks like you still have some work to do before your RMDs begin. While you may not be fully prepared, now is the perfect time to start planning. It’s important to understand how RMDs work and how they’ll affect your taxes and income. Take time to review your portfolio and start looking into tax implications.
You’re Not Ready for RMDs Yet
It seems like there’s still a lot to learn when it comes to RMDs. The good news is, you’ve got time to get up to speed! Start by learning more about RMDs, how they impact your taxes, and how to adjust your investments for a more balanced approach. Consider speaking to a financial planner for personalized guidance.
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