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February 10, 2021
Question

Do i have to take a RMD on stocks that are in an IRA brokerage account if i haven't sold any stocks last year and made a profit ?

  • February 10, 2021
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1 reply

February 10, 2021

Yes, if you are required to take a minimum distribution (RMD) from an IRA brokerage account, then you will have to liquidate sufficient stock holdings to do so. 

 

It is your age and the fact the account contains untaxed assets that generate the requirement to take a minimum distribution. The nature of the assets (appreciated stock) does not eliminate that requirement.

fanfare
Employee
February 11, 2021

You could have your RMD satisfied by moving IRA stock "in-kind" to your regular Investment brokerage account.