Can you explain this Lifetime Planner behavior?

Chris_QPW

While looking at another person's question on the Lifetime Planner I ran into a strange behavior I can't explain, and wonder if anyone knows what is going on.

This is about the RMD amount.  I have stripped down only one traditional IRA account and changed my wife's age so it will be far in the future to try to isolate the problem.

2028 is when I will be 70 1/2, so I will start there.
As I understand it the "Total Excess Min Distribution Investment" line is where this is reported (which lines up correct being zero in 2027).

2029

2030

2031


So why would it go to zero in 2030?

markus1957

Excess Minimum Distribution Investment is the RMD amount not needed for living expenses that will be reinvested in the taxable investment accounts pool.

The way I read your 2030 amount of zero is that all of your RMD will be needed to cover expenses in 2030 and there will be $0 available for reinvesting in the taxable pool. The Portfolio Value section will show a corresponding amount as a Deposit in the taxable pool.

The actual RMD is shown in the Income section under Withdrawals, Tax-deferred.

markus1957

Excess Minimum Distribution Investment is the RMD amount not needed for living expenses that will be reinvested in the taxable investment accounts pool.

The way I read your 2030 amount of zero is that all of your RMD will be needed to cover expenses in 2030 and there will be $0 available for reinvesting in the taxable pool. The Portfolio Value section will show a corresponding amount as a Deposit in the taxable pool.

The actual RMD is shown in the Income section under Withdrawals, Tax-deferred.

Chris_QPW

Oh, I guess I have had this wrong all this time.