{"id":26519,"date":"2023-11-03T15:58:28","date_gmt":"2023-11-03T20:58:28","guid":{"rendered":"https:\/\/testbanksouthern-ada.aceone.io\/?p=26519"},"modified":"2025-12-29T10:49:08","modified_gmt":"2025-12-29T16:49:08","slug":"recordatorio-de-distribucion-minima-obligatoria","status":"publish","type":"post","link":"https:\/\/staging.banksouthern.com\/es\/required-minimum-distribution-reminder\/","title":{"rendered":"Recordatorio de distribuci\u00f3n m\u00ednima obligatoria"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_0 et_pb_row et_block_row\"><div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>Por: Charlestien Harris<\/p>\n<p>Heads up to those of you that are at least 70 \u00bd and above \u2013 it is nearing the end of the year, and you don't want to forget to take your Required Minimum Distribution (RMD) that is <strong>obligatorio<\/strong> por la Agencia Tributaria.<\/p>\n<p>Las distribuciones m\u00ednimas obligatorias (RMD) son los importes m\u00ednimos que debe retirar anualmente de sus cuentas de jubilaci\u00f3n. Por lo general, debe empezar a retirar dinero de su cuenta IRA tradicional, SEP IRA, SIMPLE IRA y de sus cuentas de planes de jubilaci\u00f3n al cumplir los 70 \u00bd a\u00f1os si naci\u00f3 en 1949 o antes. En el siguiente cuadro se indica cu\u00e1ndo debe empezar a retirar dinero de sus cuentas de jubilaci\u00f3n:<\/p>\n<p>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <strong>A\u00f1o de nacimiento<\/strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <strong>Edad RMD<\/strong><\/p>\n<p>30 de junio de 1949 o antes 70,5<\/p>\n<p>Del 1 de julio de 1949 al 31 de diciembre de 1950 72<\/p>\n<p>1951 - 1958 73<\/p>\n<p>1959 73 o 75 (Referencia Ley SECURE 2.0 )<\/p>\n<p>1960 o posterior 75<\/p>\n<p>A partir de 2023, la Ley SECURE 2.0 eleva a 73 a\u00f1os la edad en la que es obligatorio realizar RMD. Si cumple 72 a\u00f1os en 2023, su primera RMD deber\u00e1 efectuarse antes del 1 de abril de 2025 para el a\u00f1o 2024. <a href=\"https:\/\/www.irs.gov\/pub\/irs-drop\/n-22-23.pdf\">Anuncio 2023-23<\/a> permite a las entidades financieras informar a los titulares de cuentas IRA antes del 28 de abril de 2023 si no es necesario efectuar un RMD en 2023. Si cumple 73 a\u00f1os en 2023, ten\u00eda 72 a\u00f1os en 2022 y estaba sujeto a la norma de RMD de 72 a\u00f1os vigente en 2022. Si cumpli\u00f3 72 a\u00f1os en 2022, su RMD inicial deb\u00eda efectuarse antes del 1 de abril de 2023, sobre la base del saldo de su cuenta a 31 de diciembre de 2021, y su segunda RMD deb\u00eda efectuarse antes del 31 de diciembre de 2023, sobre la base del saldo de su cuenta a 31 de diciembre de 2022.<\/p>\n<p>Remember, this distribution is taxable income. Ensure that when you withdraw the funds, you set aside a portion for taxes. If you're uncertain about your RMD for the year or how much to withhold for taxes, consider reaching out to the IRS or visiting their website at <a href=\"https:\/\/www.irs.gov\/retirement-plans\/retirement-plan-and-ira-required-minimum-distributions-faqs\">www.irs.gov\/retirement-plans\/retirement-plan-and-ira-required-minimum-distributions-faqs<\/a> para m\u00e1s informaci\u00f3n. Puede retirar m\u00e1s del importe m\u00ednimo requerido. Los reintegros se declaran como ingresos imponibles en el formulario 1099-R del IRS, excepto la parte que ya haya tributado o que pueda recibirse libre de impuestos (como las distribuciones cualificadas de cuentas Roth designadas).<\/p>\n<p>If you are currently enrolled in an employer retirement plan (e.g., 401(k) or profit-sharing plan), you can postpone your RMDs until the year you retire, unless you own at least 5% of the business sponsoring the plan. Roth IRAs do not necessitate withdrawals until after the owner's death. Designated Roth accounts in a 401(k) or 403(b) plan are subject to the RMD rules for 2022 and 2023. However, from 2024 onwards, RMDs are no longer obligatory from designated Roth accounts. You still need to take RMDs from designated Roth accounts for 2023, including those with a required beginning date of April 1, 2024. For further clarification or additional information, consult a financial advisor, a certified accountant (CPA), or a certified financial planner (CFP).<\/p>\n<p>The average American spends approximately 20 years in retirement. Financial security during retirement doesn't just happen; it requires meticulous planning, dedication, and, of course, financial resources. Statistics have shown that only half of Americans have calculated how much they need to save for retirement. In 2020, over a quarter of private industry workers with access to a defined contribution plan (such as a 401(k) plan) did not participate. Saving for retirement is a habit we can all benefit from.<\/p>\n<p>Para m\u00e1s informaci\u00f3n sobre este y otros temas financieros, no dude en enviarme un correo electr\u00f3nico a <a href=\"mailto:Charlestien.Harris@banksouthern.com\">Charlestien.Harris@banksouthern.com<\/a> o ll\u00e1meme al 662-624-5776.<\/p>\n<p>Hasta la semana que viene: \u00a1mant\u00e9ngase en forma desde el punto de vista financiero!<\/p>\n<p>&nbsp;<\/p>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":10237,"featured_media":26520,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,172],"tags":[156,211,299,265],"class_list":["post-26519","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-financial-fitness","tag-budgeting","tag-financial-fitness","tag-required-minimum-distribution","tag-retirement"],"acf":[],"_links":{"self":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/26519","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/users\/10237"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/comments?post=26519"}],"version-history":[{"count":3,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/26519\/revisions"}],"predecessor-version":[{"id":36469,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/26519\/revisions\/36469"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media\/26520"}],"wp:attachment":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media?parent=26519"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/categories?post=26519"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/tags?post=26519"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}