What is an RMD for retirement?

RetirementWarren TeamPublished April 25, 2026

Quick answer

An RMD is the IRS-mandated minimum yearly withdrawal from pre-tax retirement accounts (Traditional IRA, 401(k)). RMDs begin at age 73 under SECURE 2.0; missing one triggers a steep penalty.

RMD age timeline showing trigger at 73 and penalties for missed distributions.

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions. Read our disclaimers.

All questions

Get an answer built on your own numbers

Warren reads your accounts, then answers questions like this one with your real income, taxes and goals in mind.

Try Warren Free See a demo