Reduction of missed RMD penalty

The lowering from 50% to 25% is only for RMDs missed in 2023 and later, correct?

In other words, if you missed an RMD in 2021 or 2022, you’re still stuck paying 50% (barring getting a waiver), correct?



Correct.  Sec. 302 of SECURE 2.0 is effective for years beginning after 2022.

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