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Level 2
posted Feb 3, 2026 1:14:45 PM

Beneficiary IRA

I didn’t take enough of an RMD for a benifiary IRA for 2025.  Due to a misunderstanding of which table to use. 
If I make a correction distribution now,  and fill out the form 5329S that fixes the problem.   Is that distribution counted towards the 2026 RMD? Or is it in addition to the 2026 RMD.  

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1 Best answer
Level 15
Feb 3, 2026 1:18:06 PM

The corrective distribution is part of your 2025 RMD.  You would still have to take your full 2026 RMD before the end of 2026. 

1 Replies
Level 15
Feb 3, 2026 1:18:06 PM

The corrective distribution is part of your 2025 RMD.  You would still have to take your full 2026 RMD before the end of 2026.