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When must I start required minimum distributions?

This requirement is called a required minimum distribution, or RMD. Your first RMD must occur by April 1st of the year after you reach age 70 ½, but most people will find it most tax-efficient to take their first distribution in the year they reach age 70 1/2. Example: Bob’s birthday is in February.

When do you take a required minimum distribution?

Your Results. Based on the information you provided, the estimated required minimum distribution is shown below. Required minimum distributions generally must begin no later than April 1 of the year following the year in which you turn 70½. They must be taken by December 31 of each year thereafter.

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