New Internal Revenue Service (IRS) rules regulating required minimum distributions (RMDs) stand to benefit retired-age persons. The rules are for investors with traditional individual retirement accounts, 401(k), 401(a) profit-sharing plans, and 403(a) annuities. The new rules will add significant value to an individual's tax-deferred retirement plan because it lowers the withdrawal amount that must be taken out each year after the age of 70.5. Moreover, IRA investors do not have to wait for the rules to be finalized, but can use them now. Prior to these rules, investors had to select among a variety of calculation methods, and some key decisions were irreversible.