RMD Taxation

user17611656161 — Wed, 22 Oct 2025 20:59:15 GMT

I take out my RMD's as individual stocks in kind each year. I pay the tax due on the distributions when I file my Fed Tax.

So now the RMD/ Stocks are in my Joint Account, let's say $50k. Are those stocks subject to FED TAXES AGAIN, DOUBLE TAXATION???

Re: RMD Taxation

Opus 17 — Wed, 22 Oct 2025 21:25:23 GMT

If you move a stock from your IRA to a regular investment account, your basis is the value on which you were taxed when you took the stocks out of the IRA. You have a taxable gain if you sell the stocks for more than your basis, and you have a loss if you sell for less than your basis, and gains and losses are taxed according to the usual rules for capital gains and losses.

In other words, if you withdraw 10 shares at $100 per share, you should get a 1099-R showing a $1000 distribution. That is your basis in the stocks. If you later sell for $110 per share, you have a $100 taxable gain, but the entire $1100 is not taxed, just the gain.

topic RMD Taxation in Retirement tax questions

RMD Taxation

Re: RMD Taxation