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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Withdrawing money from your Fidelity IRA

Depending on your age and account type, there are different withdrawal rules that apply to you. Select your age range and we'll help you withdraw money from your IRA.

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The change in the RMD age requirement from 70½ to 72 only applies to individuals who turn 70½ on or after January 1, 2020. Please speak with your tax advisor regarding the impact of this change on future RMDs.

A distribution from a Roth IRA is tax-free and penalty-free, provided the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½, disability, qualified first-time home purchase, or death.

3. Roth IRA's do not require RMDs during the lifetime of the original owner.

Virtual Assistant is Fidelity's automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results and to help provide analytics to improve the search results. For account servicing requests, you may send our customer service team a secure, encrypted message once you have logged in to our website. Responses provided by the Virtual Assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. Fidelity does not guarantee accuracy of results or suitability of information provided.

Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.

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Mutual Funds and Mutual Fund Investing - Fidelity Investments

Withdrawing money from your Fidelity IRA

How old are you?

I'm under 59½

I'm between 59½ and 721

I'm 721 or older

Stay Connected

I'm between 59½ and 72¹

I'm 72¹ or older