The Motley Fool
By Kailey Hagen
March 29th, 2026
Inherited an IRA? The 10-Year Rule Is Now Being Enforced…
If you’ve just inherited an IRA, you’re probably going through a confusing time right now. A loved one has likely just passed away, and you may still be grieving that loss. At the same time, you could probably use that extra cash, but you might be worried about how the withdrawals will affect your tax bill.
It’s a lot to process, and it’s OK if you don’t feel up to managing it all right now. The 10-year rule for inherited IRAs means you have plenty of time to sort out what to do with your inheritance.
- The 10-year rule requires you to withdraw all your inherited IRA funds by the end of the 10th year after the year the account owner died.
- There’s no rule about when you must take withdrawals within the 10-year period.
- Some beneficiaries have other withdrawal options besides the 10-year rule.
