You may not have to take a required minimum distribution (RMD) if you're under 73, or if the account meets certain criteria.

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To make sure these withdrawals are made, the IRS enacts required minimum distributions (RMDs), which become required the year you turn 73. The amount of these RMDs is based on two factors: your age ...

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Your RMD is determined by your age and account balance at the end of the previous year. Failing to take your RMD could result in a penalty of up to 25%, or 10% if corrected promptly. To determine how ...