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Do Roth IRAs have Required Minimum Distributions (RMDs)?

Roth IRAs do not require the original account owner to take Required Minimum Distributions during their lifetime. This is a key difference between Roth IRAs and tax-deferred accounts such as Traditional IRAs and SIMPLE IRAs, which require withdrawals beginning at a specific age.

Because there are no lifetime RMDs, Roth IRAs can remain invested for as long as the account owner chooses. This allows continued tax-free growth and greater flexibility in retirement income planning. Roth IRAs are often used as a tool for managing taxable income in retirement or for estate planning purposes.

Beneficiaries who inherit a Roth IRA may be subject to their own distribution rules, but those rules do not apply to the original account owner.