An investor turning 70 1/2 owns two T-IRAs – IRA #1 is invested in an annuity (it has not been annuitized) and IRA #2 is invested in mutual funds.

My understanding is the RMDs must calculated separately for each IRA owned.

Question
Can the total RMD be taken from IRA #2 (mutual funds)? in essence allowing the annuity to grow

Thanks.