Stocks Just Had Their Worst Week Since April. Here’s Warren Buffett’s Rule for a 74-Year-Old Who Must Withdraw $39,216 by Dec. 31.

详细摘要

Retirees owing a required IRA withdrawal can skip selling stocks after the drop by pulling the roughly $39,000 from bonds and cash instead. The IRS lets retirees take the…

Stocks just had their worst week since April 2025. The S&P 500 index fund fell 2.7% from last Friday's close to this one, and it now sits 5.6% below its October 6 high. For most investors, the right move in a week like this is to do nothing.

One group of investors doesn't get that choice. If you are 73 or older and have a traditional IRA, the IRS requires you to take money out by December 31, and that deadline is 55 days away. If your withdrawal comes from selling stock this month, you are selling after the drop.

Warren Buffett's rule for weeks like this one is famous: "Be fearful when others are greedy, and be greedy when others are fearful." He wrote it in The New York Times in October 2008, in the middle of a far worse selloff. The rule doesn't say to sell good assets because prices fell.

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