Rmd for a beneficiary ira | Ed Slott and Company, LLC

Rmd for a beneficiary ira

Can a beneficiary of an beneficiary Ira send their yearly RMD direct to a charity or church and avoid the taxes on the distribution if the beneficiary is under the age of 70.5?

No. The minimum age for a QCD is 70.5 for both IRA owners and beneficiaries. For these purposes, it does not matter if the beneficiary is the designated beneficiary or a successor beneficiary. 


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