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New Member
posted Feb 10, 2021 12:39:10 PM

Do i have to take a RMD on stocks that are in an IRA brokerage account if i haven't sold any stocks last year and made a profit ?

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2 Replies
Expert Alumni
Feb 10, 2021 12:55:51 PM

Yes, if you are required to take a minimum distribution (RMD) from an IRA brokerage account, then you will have to liquidate sufficient stock holdings to do so. 

 

It is your age and the fact the account contains untaxed assets that generate the requirement to take a minimum distribution. The nature of the assets (appreciated stock) does not eliminate that requirement.

Level 15
Feb 11, 2021 3:12:03 PM

You could have your RMD satisfied by moving IRA stock "in-kind" to your regular Investment brokerage account.