Starting at age 70½, you have to withdraw at least a certain amount (called your “required minimum distribution,” or RMD) from your traditional, rollover, SEP, and SIMPLE IRAs every year and pay income taxes on these withdrawals. If you don’t, you’ll get hit with a penalty.

Once it’s time for you to start taking RMDs, we’ll automatically send you a confirmation of your annual RMD amount every January. You can also find it by logging on to your Vanguard account. You’ll then need to decide what to do—here’s some help.

Take this year’s RMD

Set up automatic RMDs


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Want to know more about RMDs?

Get basic info on RMDs

Estimate your RMDs

Read FAQs about RMDs