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Retirees Face RMD Deadline: Know Your Withdrawal Rules

1/26/2026

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Summary

Story summary

RMDs are mandatory withdrawals from retirement accounts that begin when retirees turn 73, with an initial distribution rate around 3.8%.
Retirees may take their RMDs in cash or as in-kind distributions of assets.
They can withdraw from multiple accounts, but each 401(k) requires a separate RMD.
The RMD deadline is December 31 for most retirees, with those turning 73 allowed until April 1 of the following year.

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Story summary

RMDs are mandatory withdrawals from retirement accounts that begin when retirees turn 73, with an initial distribution rate around 3.8%.
Retirees may take their RMDs in cash or as in-kind distributions of assets.
They can withdraw from multiple accounts, but each 401(k) requires a separate RMD.
The RMD deadline is December 31 for most retirees, with those turning 73 allowed until April 1 of the following year.