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Taxpayer RMD already made for 2025. She wants to make a charitable contribution and doing a transfer from an IRA is best. Is a QCD that is NOT from an RMD allowed? IRS publications don't have guidance on this point, but my reading is that it is allowed from a distribution that is not an RMD.
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Not researched.
I think all IRA distributions are fungible.
So if RMD is $50,000 and taxpayer withdraws $105,000, then up to $50,000 could be QCD.
The more I know the more I don’t know.
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A QCD is a type of distribution. It isn't an RMD and doesn't require an RMD. But it can count towards an RMD. That's likely where you are confused. All distributions count towards the RMD, in other words. You have a minimum requirement, not a "nature of the distribution" requirement.
QCD has an eligibility age of 70 1/2. Not relative to RMD at all.
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