How to Reduce the Impact of RMDs

Managing required minimum distributions is a key part of protecting retirement income and minimizing taxes.SkazovD/Shutterstock2/6/2026|Updated: 2/6/2026If you have a traditional IRA or 401(k), you’ve probably been working hard and saving diligently for years. But you can’t keep your funds invested as long as you want.Uncle Sam will eventually take a cut in the form of required minimum distributions (RMDs).What Is an RMD?An RMD is a minimum amount that you must withdraw from tax-deferred accounts like traditional IRAs, 401(k)s, and 403(b)s each year beginning when you turn 73.Javier Simon is a freelance personal finance writer for The Epoch Times. He specializes in retirement planning, investing, taxes, fintech, financial products and more. His work has been featured by major publications including Fox Business, The Motley Fool, NerdWallet, and Money Magazine.Author’s Selected Articles