I don't believe this is true. I believe you can transfer the TIPS or bonds directly from the IRA to your after tax account (transfer in kind I think). And the value as of the day it is transferred is the value of the distribution taken. So if you have $1M in your IRA, entirely in bonds, and you need to take a $40K RMD, you can transfer $40K worth of bonds from your IRA to your after tax account. (at least this is my understanding)Assuming everything is in the one account the RMD must be taken from that account. If the account doesn't contain enough cash and proceeds from maturing TIPS it would be necessary to sell something else in the account to fulfill the mandated RMD.
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Statistics: Posted by JoinToday — Mon Jun 03, 2024 12:58 am — Replies 2 — Views 248