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URL:  http://boards.fool.com/but-71-is-more-than-705-and-rmds-kick-in-the-28694990.aspx

Subject:  Re: MRD for inherited IRA? Date:  8/12/2010  4:11 AM
Author:  0x6a74 Number:  110887 of 121572

but 71 is more than 70.5 and RMDs kick in the year *following* age 70.5 --
so it depends on exactly when he turned 71 and when he died.
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Not quite. For the owner the question is when you turn 70 1/2. Your first RMD must be taken for the year in which you turn 70 1/2, but you can delay taking it until April 1 of the following year, which is called the required beginning date.

For the beneficiary the question is whether the owner died before or after the required beginning date.


sort of what i was getting at (clumsily to say the least)

that RMDs depend on exactly when the deceased died.


Note the bullet on page 36 of Pub 590 in the section on calculating the RMD.


gaah ..it's even more complicated than i remembered.
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