3 Required Minimum Distribution (RMD) Rule Changes Retirees Must Know in 2026
The Motley Fool••business
Key Points:
- Required minimum distributions (RMDs) from traditional IRAs and 401(k) plans must begin at age 73 for individuals born between 1951 and 1959, as updated by the Secure 2.0 Act of 2022, with the first RMD deadline extendable to April 1 of the year following the year they turn 73.
- Roth 401(k) and Roth 403(b) plans are no longer subject to RMDs during the original account holder's lifetime, aligning them with Roth IRAs, though RMD rules still apply to these accounts once inherited by beneficiaries.
- Failure to take the required RMDs by the deadline can result in penalties, with RMD amounts calculated based on the
