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Watty56: "Hardly obvious but with all the various financial stimulus tweaks to the laws, the RMD requirement was suspended for 2009. I didn’t read the details but it also looked like the 5 year rule was also affected and extended.

http://www.irs.gov/pub/irs-drop/n-09-09.pdf "


I have not read anything that suggests that the RMD suspension was applicable to inherited IRAs. Everything that I have read about it related to age based RMDs.

Using RMDs for an inherited IRA is on method to stretch the account and to avoid the general requirment that all funds be out of the inherited IRA within 5 years.

Absent very clear statutory language or a PLR, I would not want to risk the stretch benefits by not taking an RMD. And OP did not note his age, but RMDs for inherited IRAs are, generally speaking, based upon the age of the heir, so even gnerally less than for those RMDs that are age based unless the heir is over age 70.

Regards, JAFO
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