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71 in oct of this year

what month do you have to withdraw the RMD?

The key date is the date on which you reach 70.5. I suppose that was in April 2011.

The general rule is that you have to take the RMD within each calendar year, BUT you get a special extension to April 1st (2012), since 2011 is only your first year. After the first year though, the calendar year rule kicks in. Note that it kicks in immediately, so that your 2012 RMD is also going to be due in the same year that you take your first RMD, if you wait until after December 31, 2011 to take it. So, for tax reasons, you may wish to take it before December 31, 2001. The RMD will generate income, and many people like to spread this income out, rather than having two hits in the same taxable year.

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