Quote:
Originally Posted by bob47
2022 required minimum distributions for IRAs got locked in at the end of 2021 when markets were high. It's not hard to imagine markets will still be lower at the end of 2022. Are there any suggested strategies in this situation to prepare for the distribution? Maybe in kind distributions from the IRA to the brokerage account is the best strategy?
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You can always withdraw the RMD and use the money to purchase the same or similar investments in a non-retirement account. But, you will still need to pay income tax on the RMD amount that you withdrew. One way to avoid the income tax on the RMD would be to do a direct transfer to a charity.