No. of Recommendations: 2
No, inherited IRAs do have annual RMDs for non-spouse beneficiaries.
The IRS has been waiving them for the last couple of years while they finalize the rules.
It's funny, the IRS says their *is* an RMD, but if you didn't take it there is no penalty. Leave it to the government to play silly word games.
Apparently, Roth IRAs do not have RMDs, but I have seen "authoritative" sites disagree, some say both yes and some say no.
I agree with the recommendation of taking 1/(# of years remaining) as probably the optimum way.
