TT says, a monthly pension payment includes an RMD. Is the entire annual benefit an RMD, or only part? If only part, can I make less of an withdrawal from an IRA?

Reader22 · ‎June 6, 2019

macuser_22 · ‎June 6, 2019

No. The RMD requirements for a pension and IRA cannot be combined. The IRA RMD is calculated on the 2016 year end value of all Traditional IRA's. Pensions have their own separate RMD requirements - monthly pension payments are automatically the RMD amount.

**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**

View solution in original post

macuser_22 · ‎June 6, 2019

No. The RMD requirements for a pension and IRA cannot be combined. The IRA RMD is calculated on the 2016 year end value of all Traditional IRA's. Pensions have their own separate RMD requirements - monthly pension payments are automatically the RMD amount.

**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**

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TT says, a monthly pension payment includes an RMD. Is the entire annual benefit an RMD, or only part? If only part, can I make less of an withdrawal from an IRA?