Skip to main content

Changes coming soon

We're working on updates that will reflect changes made by the CARES Act. In the meantime, some of the details on this page may need to change due to the passage of the CARES Act. The Coronavirus Aid, Relief, and Economic Security Act was passed into law on March 27, 2020 and includes flexibility for retirement savers including temporary waivers for RMDs, waivers of early withdrawal penalties, and relief for plan sponsors.

Learn more about the CARES Act here


Changes coming soon

We're working on updates that will reflect changes made by the SECURE Act. In the meantime, some of the details on this page may not be accurate. We also recommend that you consult a qualified tax advisor about your personal situation.

Taking your required minimum distribution (RMD)

Confused about RMDs? We can help!

Traditional IRAs and employer plans like a 401(k) allow you to put off paying federal taxes, often for decades. But when you reach age 70½, the IRS requires you to start taking required minimum distributions (RMDs) from these accounts.

If you feel unsure about how to navigate RMDs, answer some basic questions and we'll walk you through what to do.

Make it automatic

Vanguard offers a free RMD service. Tell us when to process the withdrawal and where to take the money from and we'll handle your RMD each year automatically!

Take your RMD now

Ready to take your RMD? Simply log on to request a withdrawal.