I have an inherited IRA from which I'm taking RMDs based on my life expectancy. I'll be 61 in May.

The account has one position: FXNAX valued today at: $651,056.

How can I run a model to estimate my RMDs over the next several years? My 2022 RMD is already known since the RMDS are based on the account value at year end of the prior year.

Thanks

## How to Estimate Future RMDs

### Re: How to Estimate Future RMDs

You might try this Schwab calculator

https://content.schwab.com/ira/understa ... rited-rmd/

https://content.schwab.com/ira/understa ... rited-rmd/

### Re: How to Estimate Future RMDs

That would seem to depend on (a) the RMD withdrawal factors (percentages) which are known under current law, and on (b) bond market returns for the next several years, for which, like many things, "predictions are hard, especially about the future."

As a first (zeroth?) approximation, I would assume the account balance remains constant, with the bond market return compensating (approximately) for the withdrawals.

It's "Roth", not "ROTH". Senator William Roth was a person, not an acronym.

### Re: How to Estimate Future RMDs

My IRA is all bonds. I do ever projection like this in real dollars and use the real interest rate from the Tips yield curve. Close enough.

When you discover that you are riding a dead horse, the best strategy is to dismount.

### Re: How to Estimate Future RMDs

I can try that. However the average annual return on that fund is 2.86%. I can assume that, and estimate the end of December value before taking my RMD out, subtract the RMD and repeat. Your way is easier though.22twain wrote: ↑Thu Jan 13, 2022 3:01 amThat would seem to depend on (a) the RMD withdrawal factors (percentages) which are known under current law, and on (b) bond market returns for the next several years, for which, like many things, "predictions are hard, especially about the future."

As a first (zeroth?) approximation, I would assume the account balance remains constant, with the bond market return compensating (approximately) for the withdrawals.