根据2019年《安全法案》所需的最低分发电子表格计算器

Journal of Wealth Management Pub Date : 2022-07-22 DOI:10.3905/jwm.2022.1.177

Tom Arnold, J. Earl, C. Marshall

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引用次数: 1

摘要

2019年的《为每个社区建立退休保障(SECURE)法案》对个人退休账户和固定缴款退休计划所需的最低分配(RMD)时间表进行了重大修改。微软开发了Excel电子表格计算器，用于计算退休人员和计划退休人员在退休期间的年度RMD现金流量。与互联网计算器不同，电子表格计算器允许储蓄在退休期间每月赚取利息。此外，计算器易于使用，并允许个人预测长期RMD分配，以备后续税收或再投资计划之用。

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Required Minimum Distribution Spreadsheet Calculators Based on the SECURE Act of 2019

The Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 made significant changes to the required minimum distribution (RMD) schedule for individual retirement accounts and defined contribution retirement plans. Microsoft Excel spreadsheet calculators are developed to calculate annual RMD cash flows throughout retirement for those who are retired and for those who are planning to retire. Unlike internet calculators, the spreadsheet calculators allow savings to earn monthly interest throughout retirement. Further, the calculators are easy to use and allow individuals to forecast long horizon RMD distributions for subsequent tax or reinvestment planning purposes.

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来源期刊

Journal of Wealth Management Economics, Econometrics and Finance-Economics and Econometrics

CiteScore

1.10

自引率

0.00%

发文量