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Your RMD Doesn’t Have to Be Cash: He Moved the Shares Themselves Out of the IRA, Paid the Exact Same Tax and Never Had to Sell at the Bottom

Most retirees assume a forced IRA withdrawal means selling shares whether they want to or not, but a little-known IRS rule lets you satisfy the requirement without liquidating a single position, even in a falling market.

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Stocks· September 07, 2026 at 11:51 AM
Authored by·Editorially reviewed
Onur Erkan Yıldız
Founder, Financial Engineer · CMB-licensed
NeutralMedium impact

AI summary

Most retirees assume a forced IRA withdrawal means selling shares whether they want to or not, but a little-known IRS rule lets you satisfy the requirement without liquidating a single position, even in a falling market.

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