Reply To: Inherited IRA and QCD Age of Beneficiary

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#3285
kaneohe
Participant

.” Hope she is calculating her beneficiary RMD correctly since there are several possible factors that come into play. The most basic is that she cannot use her own age, but must continue the RMD schedule of the parent and must reduce that divisor by 1.0 each year.”

Alan……..I’m a bit confused on this one…….even checked in 590B.
I know that the initial divisor is reduced by 1.0 each yr but I was
under under the impression that the initial beneficiary divisor was determined by the beneficiary’s age (or maybe it’s the most beneficial of the beneficiary’s age or owner’s age……if beneficiary is older).