Investing for a 92-Year-Old
At 92, the IRS Uniform Lifetime Table divisor is approximately 9.8, meaning roughly 10% of the prior year-end balance must be distributed. A 500,000 dollar traditional IRA generates an RMD of roughly 51,000 dollars. Pre-tax balances deplete quickly through mandatory distributions at this age. Understanding the depletion trajectory helps with estate and income planning.