dmertz
Level 15

Retirement tax questions

If mutual-fund company truly limits the amount of your gross distributions, you can move the account by trustee-to-trustee transfer to another custodian that permits unlimited distributions.

Also, even if the mutual-fund company requires you to receive a distribution of more than you need (which I really doubt), you can roll the unneeded portion over to another Roth IRA within 60 days of the distribution as long as you have not done another IRA rollover within the 12 months ending on the date of this distribution.