BillM223
Employee Tax Expert

Deductions & credits

The RMD and the QCD are independent of each other, even though the QCD can count as part or all of your RMD, as a convenience.

 

So, yes, you can take a QCD even if no part of it was an RMD. In the 1099-R interview, just answer that none of the distribution was the RMD, then answer what part (or all) was the QCD.

 

And, yes, any QCD amount may not be entered on Schedule A.

 

Does that make sense?

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