Gold IRA Required Minimum Distributions
A traditional self-directed IRA holding precious metals remains subject to traditional IRA required minimum distribution rules.
Current starting age
The IRS states that traditional IRA owners generally must begin RMDs at age 73 under current rules, with later applicable ages for certain younger cohorts under SECURE 2.0. Roth IRA owners do not have lifetime RMDs from their own Roth IRA.
Why physical assets complicate RMD planning
An account holding metal may need enough cash or a planned liquidation/distribution process to meet required withdrawals. Selling at an inconvenient time can create practical friction.
Plan ahead
Ask the custodian how RMDs are processed, how metals can be liquidated, whether in-kind distributions are available and what fees apply. Coordinate with a tax professional.