Your giving options for a QCD

Aug 23, 2019

Donating your Required Minimum Distribution (RMD) to charity in the form of a Qualified Charitable Distribution(QCD) can be a great way to maximize your charitable impact. However, federal law does not permit donor-advised funds to accept QCDs.


The Pension Protection Act of 2006 limited QCD recipients to certain types of charities. Donor-advised funds, most private foundations, and supporting organizations are ineligible.  


What are my options for charitable giving with my RMD?


  1. You can donate your RMD directly to a qualified 501(c)(3) public charity in the form of a QCD. This distribution can be made tax-free.
  2. You can donate your RMD to our Sustainable Disaster-Relief Fund (SDRF) and support communities recovering from natural disasters. This distribution can be made tax-free in the form of a QCD. The SDRF is a field-of-interest fund (targeted for a specific need), not a donor-advised fund. You will not have advisory privileges over grants from this fund.
  3. You can still donate your RMD to a donor-advised fund at Vanguard Charitable. You will have to pay income taxes on the distribution, but the subsequent charitable contribution tax deduction may help offset these costs.


As you consider options with your RMD, please consult your tax advisor for more information about your specific circumstances.



What is an RMD? Why do I have to take it? See our FAQs here.

Published Date

Session timed out

For security reasons, you have been automatically logged out. To login, please click close and sign into your account.

Log out successful

This account is frozen. Contact us at
Request for user ID submitted

Your request was successfully submitted.Your user ID will be sent to the email address we have on file for you. Please contact us if you do not receive your user ID.
There are no open accounts associated with this User ID. Please contact us at
Online access to your account is currently disabled. Please contact us at to resolve this matter.

Log out successful

Login with your new User ID.

Log out successful

Login to access your account.
You do not currently have valid roles for any accounts. Please contact us at

A technical error has occurred

In order to maintain information security, your log-in request was canceled or your previous session ended.
Don't worry. You can log back in at any time.


Technical error. Please try again.

Log out successful

Login to update your phone number.

Technical error

You have reached a technical error and this session is not currently available.
Your email address was successfully verified.
Your account has been unblocked. Click login to access your account.

It’s not you. It’s us!

We are experiencing a technical error and we’re working on it. Please try again later.

You are unauthorized to access this page.


Maintenance fee may be applied

Accounts having a balance below $25,000 may be subject to an annual maintenance fee of $250.


You are eligible for special rates

Our premier clients enjoy reduced pricing to further maximize their impact.

Our representatives are happy to guide you through.

No, take me back


Click OK to cancel your enrollment.

Click Cancel to continue opening your account.