Permalink Submitted by Alan - IRA critic on Tue, 2021-03-09 16:00
To generate the highest payout using the RMD method, you would use the single life table in Pub 590 B. However, you will generate a much larger annual distribution if you do not use the RMD method at all. Use the fixed amortization method and select individual rather than joint life expectancy. Use the highest 120 mid term rate for either of the prior two months before the month of your first distribution.
Permalink Submitted by Alan - IRA critic on Tue, 2021-03-09 16:00
To generate the highest payout using the RMD method, you would use the single life table in Pub 590 B. However, you will generate a much larger annual distribution if you do not use the RMD method at all. Use the fixed amortization method and select individual rather than joint life expectancy. Use the highest 120 mid term rate for either of the prior two months before the month of your first distribution.