A 71-Year-Old With $600,000 in an IRA Parked $150,000 in a QLAC. Her RMDs Dropped by a Quarter, and the Check Starts at 85.
Moving $150,000 of a $600,000 traditional IRA into a QLAC scheduled to start paying at 85 is expected to reduce future RMDs by roughly 25% because the IRS excludes QLAC assets from the RMD calculation during the deferral period.
Aug 31, 2026 ·
Yahoo Finance

















