rmd in 2010

I turn 70 in August 2009. Do I have to take the 2009 RMD by 4/15/10 when I’ll be 70 1/2?



Barbara,

You will be turning 70.5 in 2010. That is the year for your fist RMD.
That first RMD must be taken by April 1, 2011.

Your second RMD will be for 2011 and must be taken by December 31,2011.



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