New Rmd Rules For 2025. The recently finalized rules for required minimum distributions (rmds) and inherited iras, effective january 1, 2025, introduce significant changes for beneficiaries. The new rule is part of the secure 2.0 act from 2022, but it didn't go into effect until 2024.
Designated roth accounts in a 401(k) or 403(b) plan will not be subject to the rmd rules while the account owner is still alive for 2024. The recently finalized rules for required minimum distributions (rmds) and inherited iras, effective january 1, 2025, introduce significant changes for beneficiaries.