@jasper13 , I am missing something here. If you are talking about Certificate of Deposit ( CD) , then it generally earns interest ( reported on 1099-INT ) -- generally nothing to do with IRAs, 401s , annuity, pension etc. ( those are the ones reported on 1099-R). Also 1099-R distributions have aged based penalties ( these are meant to be retirement savings/benefits ).
What did you actually do or are trying to do ?
