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First RMD. can take it in 2025 or Q1 26. made 2025 QCDs from IRA. Will QCDs reduce the remaining RMD only if I take the RMD before dec 31 or even if I take it in 2026?
I turned 73 this year so will be taking my first RMD (for 2025). I can take it in Q1 2026 (special first year rules) if I wish. I have already made some QCDs from my IRA in 2025. Will those 2025 QCDs reduce the remaining 2025 RMD only if I take the RMD before dec 31 or will it reduce the remaining 2025 RMD even if I take it in 2026?
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‎November 1, 2025
7:00 AM