Individual Retirement Accounts » Roth IRAs

Required Minimum Distributions (RMDs)

An individual can continue to contribute to a Roth IRA beyond the year they attain 70-1/2 so long as they have earned income. There is no RMD on a Roth IRA. Distributions to beneficiaries at the death of the account owner are required based on the Traditional IRA rules for death prior to RBD.