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Author: Hawkwin Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 75873  
Subject: Re: RMD Using In-Kind Transfer Date: 3/7/2014 11:21 AM
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There is no advantage then to do this?

The advantage is no transaction costs on the buy and sell for those that want to remain invested.

It's actually easier (no paperwork) to sell the appropriate RMD amount of a security, transfer the cash to the non-retirement brokerage account, and then buy back the stock.

Fees and changes in price between the buy and the sell might leave you feeling differently.

There is one downside though, and that is the need to pay the taxes out of cash instead of the in-kind proceeds.
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