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Retirement tax questions
QCDs can only be made from an IRA, not from a 401(k). The taxable amount of a distribution from a 401(k) paid to a charity must be included in your AGI and can be claimed as a charitable contribution on Schedule A.
QCDs from an IRA can be made anytime after you reach age 70½ to the day (183 days after your 70th birthday). Since you reached age 70 in July 2024, you will reach age 70½ sometime in January 2025. QCDs will count toward your RMD if you have not already completed all of your RMDs for your IRAs by making other distributions. However, in your case you are not yet subject to RMDs, so before 2027, the year that you reach age 73, any QCDs will just be distributions that are excludible from income.
To address you specific question, any normal distribution, including QCDs, from your traditional IRAs in a year that you are subject to RMDs is treated as an RMD until the total of your RMDs for IRAs has been completed.