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Level 1
posted Jun 29, 2023 12:05:40 PM

Inherited Roth IRA

Re: Roth IRA:  I am a non-eligible designated beneficiary age 75. My 98 year old mother died May 2022.   I understand that I will need to empty the Roth account by year 2032.  What I am not so sure about is if there is an annual RMD required.  I have seen conflicting information at various  (very credible) online sites.   Can you please tell me is an annual RMD required for an inherited Roth?

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1 Best answer
Level 15
Jun 29, 2023 1:22:06 PM

With an inherited Roth IRA, no annual beneficiary RMDs are required under the 10-year rule because the deceased owner is deemed to have died before their required beginning date for RMDs.

2 Replies
Level 15
Jun 29, 2023 1:22:06 PM

With an inherited Roth IRA, no annual beneficiary RMDs are required under the 10-year rule because the deceased owner is deemed to have died before their required beginning date for RMDs.

Level 1
Jun 29, 2023 4:33:32 PM

dmertz...thanks again!