IRA asset allocation prior to RMDs
IRA asset allocation prior to RMDs
I am scheduled to start withdrawing RMDs next year. What asset allocations are best for IRAs in preparation for RMDs?? Appreciate feedback & suggestions. Thanks in advance.
Re: IRA asset allocation prior to RMDs
The same asset allocation as at all the rest of the time. Preparation for RMDs is not a thing.
Re: IRA asset allocation prior to RMDs
vanguard allows you to take RMDs Proportionally which tends to help rebalancing issues.
Re: IRA asset allocation prior to RMDs
Once you've decided your asset allocation, you should store as much as your bond allocation in the IRA as possible. Your taxable accounts should hold all of your equities.
If you wind up with more money than you need due to the RMD, invest the excess in equities in a taxable account. Then switch that amount in your IRA to bonds. This holds your AA steady.