THE EFFECTS OF REQUIRED MINIMUM DISTRIBUTION RULES ON WITHDRAWALS FROM TRADITIONAL IRAs

Jacob A. Mortenson · Heidi R. Schramm · Andrew Whitten

30 citations0/0 files storedNational Tax Journal

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Financial Literacy, Pension, Retirement Analysis Economic and Fiscal Studies Retirement, Disability, and Employment

Abstract

We study the effects of required minimum distribution (RMD) rules on the asset decumulation behavior of retirees with traditional individual retirement arrangements (IRAs). Using a nationally representative panel of 1.8 million IRA holders from 2000 to 2013, we estimate that around 50 percent of individuals would prefer to withdraw less than their required minimum. However, we also estimate that up to 38 percent of these RMD-constrained individuals did not respond to a temporary suspension of RMD rules in 2009.

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References

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2020How best to annuitize defined contribution assets?2021Leakage from Retirement Savings Accounts in the United States 2021Do Required Minimum Distribution 401(k) Rules Matter, and For Whom? Insights from a Lifecycle Model 2024The impact of withdrawal penalties on retirement savings

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