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RMD Timing: Is It Better to Withdraw Early or Late in the Year?

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Summary
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75% Informative

Required minimum distributions RMDs, for short kick in at age 73 and apply to all tax-deferred retirement accounts.

Neither the original principal or the gains in those accounts ever have been taxed.

You can choose when and how to take the distribution, whether that’s at the beginning of the year , or in a stream of monthly , quarterly or semi-annual payments.

Each has its pluses and minuses, but none will change the amount of your RMD.

SmartAsset ’s free tool matches you with up to three vetted financial advisors who serve your area.

You can interview your advisor matches at no cost to decide which one is right for you.

An emergency fund should be liquid -- in an account that isn't at risk of fluctuations like the stock market.