Q. I plan to retire at age 69 and a half, and elect the monthly withdrawal option for the TSP. One year later, when I am 70 and a half, RMDs will kick in. Will my withdrawal option count as the RMD, or will I have to take the RMD on top of my monthly elected amount?
A. The RMD is an annual minimum. As long as you withdraw the required amount during the year, it will be satisfied. All withdrawals count toward the requirement during the year.