If you are over the age of 70 ½, the government requires you to take annual distributions (withdrawals) from your retirement account—a provision known as the required minimum distribution (RMD). Up to a certain amount, these distributions may be made tax-free as long as they are directed to a qualified 501(c)(3) organization, an option known as the qualified charitable distribution (QCD). However, current law does not allow donor-advised funds, including Vanguard Charitable, to accept QCDs.
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