KevinMc Posted May 21, 2014 Posted May 21, 2014 Is anyone aware of a separate RMD table for a 401-k plan that is different from the RMD table for IRA's? Someone is telling me there is a separate table but the IRS website seems to indicate they are the same. Any help is appreciated.
Lou S. Posted May 21, 2014 Posted May 21, 2014 Same table. Is the beneficiary a spouse who is more than 10 years younger than the participant? If so, maybe they are thinking you should be using that joint life table to get a smaller RMD but that's all I can think of.
mbozek Posted May 24, 2014 Posted May 24, 2014 The RMD rules apply to both qualified plans and IRAs. The same tables apply to both plans. Why not ask what the separate table is? mjb
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