You are confusing a RMD (Required *Minimum* Distribution) with a QCD. One is not dependent on the other. The only relationship is you must be 70 1/2 which requires a RMD, but *any* distribution from a Traditional IRA, up to $100,000, can be a QCD.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
