How can I avoid Required Minimum Deductions (RMDs)?

401(k), IRAs, Taxes, Tax Deductions / Credits
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November 2017

Bishop, Scott

Houston, TX
83% of people found this answer helpful

The only time you owe RMDs on your 401(k) after you are age 70.5 is after you stop working. If you do not own more than 5% of the compnay, you never have to take RMD’s from your 401(k), whether Roth or Traditional.

You do NOT have to take RMDs out of Roth IRAs (ever) during your lifetime.

Therefore, if you have retired and/or left your employer, you can roll your Roth 401(k) into your Roth IRA and then you will NOT need to take any RMDs...after Retirement, Roth 401(k)’s require RMDs, but not Roth IRAs.

Hope this helps!

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