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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.