GoKawiilRMD age set to rise to 75 by 2033 as retirees face 2026 distribution rules
Required minimum distributions from retirement accounts remain a tax concern for high-income retirees in 2026, since the withdrawals count as ordinary income and can increase taxes on Social Security benefits and Medicare premiums. The RMD starting age, which was 70.5 through 2019, has already risen to 72 under the original Secure Act and to 73 under Secure 2.0, and is scheduled to reach 75 by 2033.
GoKawiil's interpretation of the reporting above, not reported fact.
A later RMD start age gives retirees more years to manage withdrawals strategically, potentially through Roth conversions or timing income to minimize tax brackets. However, larger account balances from additional years of growth could mean bigger mandatory withdrawals once RMDs begin, so the benefit of delay may be partly offset by higher future tax bills.
- RMD starting age is being phased upward, reaching 75 by 2033.
- RMDs are taxed as ordinary income and can raise Social Security taxation and Medicare costs.
- Investors should plan ahead given the extended timeline before mandatory withdrawals begin.
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See Fidelity IRA Required Minimum Distribution Guidebook on Amazon → Affiliate link — we may earn a commission on purchases, at no extra cost to you. Product picked by AI based on this article; it is not a tested recommendation.Source: fastcompany.com, 2026-09-22
Published there as: “5 things to know about required minimum distributions in 2026”
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