Secure Higher RMD Yields Before Rate Drop
Update: 2025-11-18
Description
Exploring RMD Strategies: Lock in High Yields Before Potential Rate CutsThis episode delves into required minimum distributions (RMDs) and a savvy strategy for those who dont need their RMD cash immediately. With the Federal Reserve potentially cutting interest rates, delaying your RMD might mean missing out on todays high yields. By withdrawing your RMD sooner, you can secure strong returns, especially with options like certificates of deposit (CDs), before rates potentially drop. Locking in a CD rate now could be a wise decision, as these rates wont change even if the Federal Reserve lowers its benchmark rate. Even if rates remain steady, CD yields could still slip as banks anticipate future Fed moves. So, if you dont need your RMD funds right away, withdrawing them soon could help you secure a higher yield for your cash while its still available.
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