AW:“Just as a point of interest, if you already have other sources of cash and don’t need your RMD to pay the RMD taxes or living expenses, you can transfer stock out of your IRA. If you have the cash, this might make sense in a down market. Doesn’t change your tax situation but doesn’t force you to sell low, either.”
NO different if you have something like Vanguard…selling in the IRA…and buying exactly the same in a taxable account. Right?
It’s not like company stock in a 401K.
The entire amount of your stock distribution then is taxable and the basis is the total price of the transaction.
You don’t get the benefit of a lower original cost.
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