在55岁退休 - 你可以在55岁时从401k取出钱而不会受到惩罚

当你55岁或以后离开你的工作

年龄59½分配规则表明，任何401k参与者可以在达到59½岁之后开始从他或她的计划中取款，而无需支付10％的提前退出罚款。

但是，该规则有一个例外，即允许退休，退出或在55岁时被解雇的员工从401k退出而不受处罚（“55规则”）。退休人员需要了解三个关键点。

首先，根据IRS出版物575，如果您在55岁或更晚的日历年中的任何时间离开您的工作，则适用此例外情况。

第二，如果你仍然有前雇主的计划中的钱，并假设你离开雇主时至少年满55岁，你将不得不等到年龄59½才开始取款而不受处罚。更好的是，在您退出当前工作之前，让任何旧的401k进入当前的401k，这样您就可以免费获得这些资金。

第三，此例外仅适用于从401k提取的资金。 IRA在不同的规则下运作，因此如果您退休并在年龄59½之前从您的401k汇入IRA，您将在这些美元上失去此例外。

Leaving Your Job On or After Age 55

The age 59½ distribution rule says any 401k participant may begin to withdraw money from his or her plan after reaching the age of 59½ without having to pay a 10 percent early withdrawal penalty.

There is an exception to that rule, however, which allows an employee who retires, quits or is fired at age 55 to withdraw without penalty from their 401k (the “rule of 55”). There are three key points early retirees need to know.

First, this exception applies if you leave your job at any time during the calendar year in which you turn 55, or later, according to IRS Publication 575.

Second, if you still have money in the plan of a former employer and assuming you weren’t at least age 55 when you left that employer, you’ll have to wait until age 59½ to start taking withdrawals without penalty. Better yet, get any old 401k’s rolled into your current 401k before you retire from your current job so that you will have access to these funds penalty free.

Third, this exception only applies to funds withdrawn from a 401k. IRAs operate until different rules, so if you retire and roll money into an IRA from your 401k before age 59½, you will lose this exception on those dollars.

（声明：此文只提供参考，勿作任何法律依据）

Required Minimum Distributions

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds