Quote:
Originally Posted by meierlde
Of course to be clear if you leave a 401k or IRA to a beneficiary, they will have to pay the taxes anyway (income in respect of Decedent) and with the exception of a spouse the RMDs are a higher percentage compared to the account owners RMDs (see the IRS pub and tables). .................................................. .............
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The bolded phrase seems a bit misleading to me. Though it is true that age for age, the beneficiary table has a smaller number leading to a higher RMD, a more typical comparison is apples to oranges since the beneficiary is typically much younger than the owner and then the RMD would typically be smaller
(tho tax rate could be another consideration).