The law requires that you begin takling minimum withdrawals starting with April 1 of the year you reach 70.5. The minimum is a complex calculation based on life expectancy, other retirement income and balance. Therefore, if you started taking amounts out of the 401K prior to 70.5, you would be reducing the minimum you must take at that time.
I would strongly suggest you discuss this with a tax specialist or estate planner who can advise whether the minimum would throw you into a higher tax bracket.
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