Inherited IRA RMD's

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  • RWG1950
    Senior Member
    • Nov 2017
    • 471

    #1

    Inherited IRA RMD's

    Regular IRA RMD's are calculated separately (in the case of 1 person having multiple IRA's) but the total RMD for the year can be made from any 1 of the of them.
    In the case of a person that in inherits 3 IRA's (from her mother), do these same aggregation rules apply to inherited IRA RMD's as with a regular IRA.
    I know that inherited IRA's use the single life table vs the uniform table for regular IRA'S.
    The inherited IRA RMD's would be calculated separately and RMD(s) made from these would be without any consideration of her traditional IRA.
  • terryats
    Senior Member
    • Jan 2019
    • 268

    #2
    Yes the same aggregation rules apply, but you can not use your personal IRA in the mix only the inherited ones, also you can't mix ROTH's with traditional IRA's

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