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cover of episode “I inherited money, should I cash out now or keep it invested?”

“I inherited money, should I cash out now or keep it invested?”

2025/5/16
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky
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Jean Chatzky
L
Lori
P
Pam
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Pam: 我继承了一个小额IRA，面临是否立即提取并缴税，还是继续投资让其增值的选择。这笔钱对我来说不仅仅是财务上的考量，更承载着我母亲的情感价值，我想每年提取最低分配额，就像收到她的礼物一样。因此，我希望找到既能实现情感寄托，又能实现资金增值的最佳方案。 Jean Chatzky: 继承的IRA需要在10年内提取完毕，提取时需按当前收入税率缴税。考虑到金额较小，不必过于纠结。如果Pam希望保留这份情感价值，可以考虑投资S&P 500基金或股票市场基金，但需注意市场风险。或者，投资于回报较低但更安全的债券也是一种选择。重要的是，要根据自己的整体财务状况和风险承受能力做出决策，并享受这份特殊的“礼物”

Deep Dive

Chapters
Pam inherited a small IRA and is unsure whether to cash it out or invest it. Jean advises that for a small amount like $3,000, cashing out might be simpler, but if Pam wants to keep it as a symbolic yearly gift from her mother, investing in a low-risk option like an S&P 500 fund is reasonable.
  • Inherited IRA requires annual RMD and full withdrawal within 10 years.
  • For small amounts, cashing out might be less complicated.
  • If keeping invested, consider low-risk options like S&P 500 fund or bonds.
  • Align investment with overall financial strategy.

Shownotes Transcript

In this special AMA Mailbag episode, Jean dives into your most pressing retirement questions with listeners Pam and Laurie. 

First up, Pam, who inherited an IRA from her late mother, wonders whether to cash it out or invest it for the long haul. Then we hear from Laurie, a military spouse navigating what to do with her husband's TSP now that he’s out of the service. Should they roll it over? Keep it where it is? And what’s the best way for a newly self-employed woman to start saving for retirement on her own terms?

💡 Topics Covered:

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How to make the most of an inherited IRA

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The emotional power of planning small financial “gifts” from loved ones

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Smart investment choices for idle HSA funds

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What to know before moving a TSP into a rollover IRA

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Retirement saving strategies for freelancers and the self-employed

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