Generally, you should consider three aspects:

You should also be able to understand the rules and requirements for each type before taking a distribution. See the table below.

IRA Distributions

TraditionalRoth

Penalty-free distributions:

Begin at age 59½

Begin at age 59½ when IRA is 5+ years

Required Minimum Distributions:

Begin at 70½

RMDs not required

Distribution options for your IRA

TD Ameritrade provides several methods for distributing your IRA funds. You can set up automatic distributions, transfer funds to another account or transfer holdings. Find out the features and benefits of each option.

Take a one-time distribution or set up automatic distributions

Transferring funds from your TD Ameritrade account to your bank account is fast and easy. You can take a one-time distribution or set up automatic distributions from your IRA-for early distributions, normal distributions and RMDs.

Use funds directly from your account

If have reached the age of 59½, you can write checks from your account to facilitate your distributions while managing your bills at the same time. Checks written from your IRA will be normal distributions from your IRA. A normal distribution is a penalty-free, taxable withdrawal.

Transfer assets between TD Ameritrade accounts

When taking required distributions, you may consider transferring funds from your Traditional IRA to a standard brokerage account. There may be additional requirements when transferring between different kinds of accounts.


AdChoices

Market volatility, volume and system availability may delay account access and trade executions.

TD Ameritrade was named best brokerage firm for your IRA in Kiplinger’s Personal Finance, December 2012 edition, “Hits and Misses of 2012” article. TD Ameritrade was recognized for its wide range of investment choices and no annual fee or minimum to open an account. Commissions, service fees, and exception fees still apply.

**Offer valid for one new Individual, Joint or IRA TD Ameritrade account opened by 9/30/14 and funded within 60 days of account opening with $2,000 or more. To receive $100 bonus, account must be funded with $25,000 or more within 60 days of account opening. To receive $300 bonus, account must be funded with $100,000 or more within 60 days of account opening. To receive $600 bonus, account must be funded with $250,000 or more within 60 days of account opening. Offer is not transferable and not valid with internal transfers, accounts using the Amerivest service, TD Ameritrade Institutional accounts, current TD Ameritrade accounts or with other offers.   Qualified commission-free Internet equity, ETF or options orders will be limited to a maximum of 500 and must execute within 60 days of account funding. Contract, exercise, and assignment fees still apply.  Limit one offer per client. Account value of the qualifying account must remain equal to, or greater than, the value after the net deposit was made (minus any losses due to trading or market volatility or margin debit balances) for 12 months, or TD Ameritrade may charge the account for the cost of the offer at its sole discretion. TD Ameritrade reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Please allow 3-5 business days for any cash deposits to post to account. Taxes related to TD Ameritrade offers are your responsibility. Retail values totaling $600 or more during the calendar year will be included in your consolidated Form 1099. Please consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules. 

Educational resources are provided for general information purposes only and should not be considered an individualized recommendation or advice.

TD Ameritrade does not provide tax advice.

TD Ameritrade, Inc., member FINRA/ SIPC / NFA . This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2014 TD Ameritrade IP Company, Inc. All rights reserved. Used with permission.