If you, as an individual, inherited an IRA from someone other than your spouse, there are different withdrawal rules depending upon the type of beneficiary you are (an Eligible Designated Beneficiary or a Designated Beneficiary).

2024年8月26日 · Beneficiaries of retirement plan and IRA accounts after the death of the account owner are subject to required minimum distribution (RMD) rules. A beneficiary is generally any person or entity the account owner chooses to receive the benefits of a retirement account or an IRA after they die.

2024年11月7日 · An inherited IRA is an account that must be opened by the beneficiary of a deceased person's IRA. The tax rules are quite complicated.

2024年11月15日 · Learn the required minimum distributions for your designated IRA beneficiaries.

2025年1月24日 · Key Points . Starting in 2025, most non-spouse beneficiaries have a 10-year window to fully distribute an Inherited IRA’s assets. The IRS also clarified rules regarding taking a required minimum distribution (RMD) from an Inherited IRA, depending on whether the original account holder has already begun taking RMDs.

2024年8月14日 · What non-spouse beneficiaries need to know about changes to withdrawal requirements. The SECURE Act changed rules for distributing assets from an inherited IRA for non-spouses. Many non-spouse beneficiaries who inherit IRA assets from account owners who passed away in 2020 or later will need to withdraw the full balance within 10 years.

2024年11月8日 · Any type of IRA may be turned into an inherited IRA, including traditional and Roth IRAs, SEP IRAs and SIMPLE IRAs. Importantly, the income tax treatment of the IRA remains...

2024年1月9日 · It's important to understand the updated inherited IRA distribution rules tied to the recent change in the SECURE Act, including its latest version, SECURE 2.0. One way wealth passes from generation to generation is through inherited IRAs.

2024年10月11日 · Rules for Traditional and Roth IRAs and Changes for Inherited IRAs Will Beneficiaries Need to Withdraw RMDs Every Year? Do People Who Inherit IRAs Still Need to Follow the 10-Year Rule?

When inheriting an IRA or small business retirement savings plan, the rules for taking RMDs will depend on whether the beneficiary of the original depositor is a spouse, non-spouse 2 or an entity (such as a trust, estate or charity).