@fanfare wrote:
If you are a young beneficiary, or even not so young, this rule would generate much larger RMD than the RMD based on Pub590B formulas.
@fanfare Not every distribution from an IRA is an RMD. RMD is a Required Minimum Distribution. If a distribution is more than the required minimum, as determined in Pub. 590-B, then the amount above what Pub. 590-B requires is not an RMD. It's just a distribution. Your rule will generate larger distributions, but not larger RMDs. The required minimum doesn't change.
