Talk:Required minimum distribution

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Inherited IRA

This page mentions Inherited IRAs but it is not considered a "Hit" when searching ("No page with that title exists"). Perhaps that's because there's not much information on this topic. Does anyone have any information on this topic? Thanks Pachai (talk) 19:13, 22 April 2008 (UTC)[reply]

"Inherited IRA" should be clarified -- as in this bit:

"If the [distribution at death] rollover is available, the beneficiary may make a direct transfer of the funds to an inherited IRA, which must be in the name of the decedent for the benefit of the named beneficiary." Are there one or two IRAs involved? It seems like two -- the one being distributed at death, and the "inherited IRA" into which it is being rolled over into. Well, where did the "inherited IRA" come from? How do you start one? The paragraph doesn't say. This needs to be cleared up.

Also: what does "4/1" mean in the article? April First? Please explain this! Gsmcghee (talk) 01:43, 20 July 2009 (UTC)[reply]

The article begins: "Individuals with IRAs are required to begin lifetime RMDs no later than April 1 of the year after they reach age 70½ (or, for most employer plan participants, after they retire)." This is confusing (and alarming to those contemplating retirement). The material in parens suggests that RMDs might be required before 70 1/2 for employees retiring before that age. That is not so. What needs to be explicitly specified is that RMDs can be postponed after 70 1/2 if the employee is still working for the employer. I am not a wiki editor. If you are reading this and are an editor, could you correct the article?-- Gregory Scott — Preceding unsigned comment added by 97.94.233.215 (talk) 06:39, 10 November 2011 (UTC)[reply]