- SELF-DIRECTED IRA KNOWLEDGE CENTER
- REQUIRED MINIMUM DISTRIBUTIONS (RMDs)
- GENERAL RMD QUESTIONS
Are All Self-Directed IRAs Subject to RMDs?
The RMD rules apply to all the following, whether they are self-directed or not:
- Traditional IRAs
- IRA-based plans such as SEP and SIMPLE IRAs
- Inherited IRAs
- Inherited Roth IRAs
Note: RMDs do not apply to Roth IRAs while the original owner is alive. Roth IRAs do not require RMDs until the original owner passes away.