RMD's

[Gwcmbrodnicki2230]

Are RMD's taxed only as regular annual income or is there additional capital gains tax on increases generated over the time a conventional IRA grows before age 72?

[Opus 17]

Any amount you withdraw from a qualified retirement plan is subject to ordinary income tax.  RMD is not a special withdrawal or subject to special rules, RMD just means that after a certain age, you must withdraw a small amount of your retirement account each year.  You can withdraw more if you like, and whatever you withdraw you pay regular income tax on.  Whatever stays in the account grows tax-free until you withdraw it, then you pay regular tax as usual.