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Article Date:
February 2026


Word Count:
783

 

 

This One Mistake Can Make Your QCD Fully Taxable


Qualified charitable distributions (QCDs) are a great way for owners of traditional individual retirement accounts (IRAs) who are charitably inclined to take their annual required minimum distributions (RMDs).

 

But your QCD will be ruined if you run afoul of the no-benefit rule.

 

What Are Qualified Charitable Distributions?

 

Starting after you reach age 70 1/2, you can withdraw up to $111,000 as a 2026 QCD; spouses can each withdraw up to $111,000 from their own IRAs.1 QCDs provide two terrific tax benefits:2

 

1.

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