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RMD Required Beginning Date (RBD)
The Required Beginning Date (RBD) is the date by which a Participant is required to take his or her first Required Minimum Distribution (RMD) from a retirement account. The RBD is April 1 of the year shown in the last column of the following table:
Date of Birth
RMD Age
RMD Birthday
Required Beginning Date (RBD)
06/30/1949
And Before
70.5
12/31/2019
04/01/2020
07/01/1949
To 12/31/1950
72.0
07/01/2021
12/31/2022
04/01/2022
04/01/2023
01/01/1951 To 12/31/1959
73.0
01/01/2024
12/31/2032
04/01/2025
04/01/2033
01/01/1960 And Later
75.0
01/01/2035
04/01/2036
Note: By waiting to April 1 of the year after the Participant reaches RMD age, two RMDs will have to be taken in the RBD year. The additional RMD may cause an increase in marginal tax brackets. In general, the first RMD should be taken in the year that the RMD Age is achieved.
