• Individuals 72 and older must take annual withdrawals or pay 50 % penalty If 2022 is your first RMD year , you have until April 3 , 2023 to take the RMD
• IRA
The RMD amount can be taken from any IRA you pick
• 401 ( k )
If you have multiple 401 ( k ) s , an RMD must be taken from each account People who work past 72 can generally delay taking RMDs from current employer ’ s account
• QCD
People 70 ½ and older can transfer up to $ 100,000 yearly from IRAs directly to charity