{"id":2933,"date":"2025-09-15T15:22:02","date_gmt":"2025-09-15T19:22:02","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insightsfive-strategies-for-taking-your-required-minimum-distributions\/"},"modified":"2025-09-15T15:22:03","modified_gmt":"2025-09-15T19:22:03","slug":"five-strategies-for-taking-your-required-minimum-distributions","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/five-strategies-for-taking-your-required-minimum-distributions","title":{"rendered":"Do you know your options for taking required minimum distributions?"},"content":{"rendered":"\n

The IRS requires anyone with a tax-deferred retirement account to take annual required minimum distributions (RMDs) once they reach age 73 (or 75 for those born in or after 1960). However, not everyone who reaches that age needs the money. For those individuals, the question is: what to do next?<\/p>\n\n\n\n

Since these distributions are usually taxable immediately, the question of what to do with the money is often entwined with a desire to find tax-efficient strategies.<\/p>\n\n\n\n

It\u2019s important to factor RMDs into your income strategy during retirement<\/a>. Here are five options to explore that can help you turn a requirement into a retirement opportunity:<\/p>\n\n\n\n

1. Keep putting the money to work<\/h2>\n\n\n\n

Retirees who are confident they won\u2019t need their RMD for living expenses might consider putting the extra cash into a non-qualified brokerage account and reinvesting it to keep the funds working.<\/p>\n\n\n\n

You may also be able to deposit your distributions into cash sweeps to earn competitive yields without sacrificing liquidity.<\/p>\n\n\n\n

\u201cBy keeping the cash in the market, there is opportunity for continued growth,\u201d says Dean Deutz, a private wealth consultant at RBC Wealth Management\u2013U.S. \u201cThe money is liquid and available when you need it, but it has the potential to grow yield while you don\u2019t.\u201d<\/p>\n\n\n\n

2. Move to a Roth IRA<\/h2>\n\n\n\n

Another strategy is converting your traditional IRA into a Roth<\/a> IRA<\/a>.<\/p>\n\n\n\n

While traditional IRAs are funded with pretax dollars, after-tax dollars are used to fund Roth IRAs. There are no RMDs for Roth accounts, as you\u2019ve already paid taxes on the funds.<\/p>\n\n\n\n

\u201cRoth conversions are a key thing to consider,\u201d Deutz says. \u201cYou\u2019ll have to pay income taxes on the holdings of the IRA when it is converted to a Roth, but this technique has some flexibility, and it may lower your distribution amount the next year, since Roth assets don\u2019t count toward your RMD calculation.\u201d<\/p>\n\n\n\n

You don\u2019t have to convert all of the assets in a traditional IRA account at one time, which means you can strategically spread the conversion process over multiple years to maximize tax efficiency and preserve more of your wealth for the long term. This can be particularly useful if your tax rate is likely to increase in the future.<\/p>\n\n\n\n

Roth IRAs can also be beneficial for liquidity, as you can withdraw your contributions tax free at any time. The capital growth from a Roth IRA can also be withdrawn tax free, as long as you\u2019re at least 59 \u00bd and have held the account for a minimum of five years.<\/p>\n\n\n\n

3. Purchase a life insurance policy or variable annuity<\/h2>\n\n\n\n

Alternatively, you may want to use your distribution funds to purchase life insurance<\/a> or a variable annuity with a death benefit as part of your estate planning strategy to provide tax-free proceeds to heirs.<\/p>\n\n\n\n

Using the after-tax amount of your RMD to purchase life insurance can help you maximize your legacy and avoid transfer taxes. Properly designed and funded, life insurance passes generally tax free to beneficiaries, explains Troy Randall, senior manager of Annuities and Insurance at RBC Wealth Management\u2013U.S.<\/p>\n\n\n\n

For married couples where both spouses are insurable, survivorship or second-to-die insurance may provide for a larger tax-free life insurance benefit than purchasing single life coverage. Your advisor can help with calculations to compare and determine what would be best for your specific situation.<\/p>\n\n\n\n

Another option to explore is a variable annuity with a death benefit.<\/p>\n\n\n\n

\u201cA variable annuity is similar in concept to a mutual fund, in that financial professionals manage the funds and the value of the investment can go up and down,\u201d Randall says. \u201cBut the variable annuity can have a death benefit rider, which guarantees that your beneficiaries will get at least the amount you\u2019ve invested.\u201d<\/p>\n\n\n\n

For as long as you live, the assets in a variable annuity can grow tax deferred. Upon death, beneficiaries will get at least the same amount of money you put into the annuity, though they will have to pay taxes on the earnings. If the assets grow, then they may receive more.  <\/p>\n\n\n\n

4. Fund a 529 plan<\/h2>\n\n\n\n

You can also use a portion of your RMD to help finance a loved one\u2019s education.<\/p>\n\n\n\n

\u201cIf you have grandchildren, putting excess RMD funds into a 529 education savings plan<\/a> is a great option that can help ease the financial burden not only for the grandchild, but for your adult children as well,\u201d Deutz says.<\/p>\n\n\n\n

Keep in mind that annual contributions to 529s are limited to $19,000 a year and are not deductible for federal tax purposes, though there may be deductions at the state level. Earnings on these plans grow tax-deferred, and withdrawals are tax free as long as the distributions are used for qualified education expenses, such as tuition.<\/p>\n\n\n\n

And, if your grandchild doesn’t use all of their 529 savings for school, they may have the opportunity to roll leftover funds into their own Roth IRA, where the money can continue to grow until they choose to use it later in life.<\/p>\n\n\n\n

Contributions of up to $95,000 per beneficiary ($190,000 for married couples filing jointly) are allowed in the first year of a five-year period without incurring any federal gift tax. No additional contributions can be made to the same beneficiary in the same five-year period.<\/p>\n\n\n\n

5. Donate to charity<\/h2>\n\n\n\n

Charitable donations can be another way to use RMD funds to make a meaningful impact, and the IRS helps make that easier.<\/p>\n\n\n\n

\u201cBy making a qualified charitable donation (QCD)<\/a>, you can give $108,000 a year directly from your IRA to charity,\u201d Deutz explains. The IRS says that\u00a0money is tax-exempt and counts toward your annual RMD amount.<\/p>\n\n\n\n

For married couples, both spouses can donate from their IRAs, and the $108,000 distribution allowance isn\u2019t shared if you\u2019re filing a joint return, meaning you could donate up to $216,000 per couple. This can reduce your RMD amount, which may also impact your overall tax bill.<\/p>\n\n\n\n

There are several options available for retirees who don\u2019t need the money from their RMDs, and no one-size-fits-all approach. Your financial advisor can help you determine the best way to navigate these distributions to protect your financial legacy.<\/p>\n\n\n\n

This article was updated in Sept. 2025.<\/em><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

For those who don\u2019t need the extra income, there are several ways to strategically use your RMD funds. <\/p>\n","protected":false},"author":22,"featured_media":23376,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[52],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[463],"rbcwm_segment":[467,460],"rbcwm_solution":[465],"rbcwm_topic":[464],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-2933","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-planning","rbcwm_need-protect","rbcwm_segment-business-owners-and-entrepreneurs","rbcwm_segment-individuals-and-families","rbcwm_solution-wealth-planning","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"For those who don\u2019t need the extra income, there are several ways to strategically use your RMD funds. ","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":"Neither RBC Wealth Management, a division of RBC Capital Markets, LLC, nor its affiliates provide legal, accounting or tax advice. All legal, accounting or tax decisions regarding your accounts and any transactions or investments entered into in relation to such accounts, should be made in consultation with your independent advisors. No information, including but not limited to written materials, provided by RBC WM should be construed as legal, accounting or tax advice.\r\n\r\nAll annuity guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options.\r\n\r\nFor more information regarding college savings plans, please visit\u00a0www.collegesavings.org <\/a>. Participation in a 529 Plan does not guarantee the investment return on contributions, if any, will be adequate to cover future tuition and other higher education expenses. State programs vary and therefore you should carefully review individual program documents before investing or sending money. Federal income tax on the earnings and a 10 percent penalty on distributions for non-qualified expenses may apply. RBC Wealth Management is not a tax advisor. All decisions regarding the tax implications of your individual investments should be made in connection with your independent tax advisor."},"rbcwm_insight_cta_id":[8484],"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nDo you know your options for taking required minimum distributions?<\/title>\n<meta name=\"description\" content=\"For those who don\u2019t need the extra income, there are several ways to strategically use your RMD funds.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/five-strategies-for-taking-your-required-minimum-distributions\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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