Subject: Re: Reading tea leaves
Question is: how much is the RMD? If the beneficiary is, say, 25 years old, then he isn't going to find his RMD in the tables that are published. The tables I've seen start at age 72.

Seems to me the only REQUIRED minimum distribution would be 100% by the 10th year.

So one could wait until the 10th year and then take it all. But most people would find it wise to spread the distribution over the 10 years to minimize taxes.

However that isn't REQUIRED.