What to know about RMDs and retirement planning

People planning for retirement need a game plan for required minimum distributions. Do it right, and they’ll keep more savings in their pockets—and less in the government’s.

They are, as a rule, among the more unexciting words in the English language: required minimum distributions.

Today, though, RMDs—the annual withdrawals that many people, starting in their early 70s, must take from their nest eggs—are generating a surprising amount of noise and anxiety among retirees and financial advisers.

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