Customer Accounts第 80 / 110 题
Which statement about required minimum distributions is correct?
a.Traditional IRA owners must begin RMDs at the age set by current law, while Roth IRA owners face no RMDs during their lifetime
b.Both Traditional and Roth IRA owners must begin RMDs at the same age
c.Roth IRA owners must begin RMDs but Traditional IRA owners need not
d.RMDs apply only to accounts larger than $1 million
解析
Tax-deferred accounts such as Traditional IRAs must begin distributing at the statutory age, currently 73 and scheduled to rise, because the government eventually wants its deferred tax. Roth IRAs were funded with after-tax dollars, so the original owner never faces lifetime RMDs, though inherited Roth accounts have their own rules. Account size does not determine whether RMDs apply.
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