Hi Marvinrhansen,
Thank you for this question.
Distribution requirements were waived for 2020 due to the coronavirus pandemic. An account owner or beneficiary who received an RMD in 2020 had the option of returning it to their IRA or other qualified plan to avoid paying taxes on that distribution. Currently, You can not put your Required Minimum Distribution (RMD) back into your Traditional IRA account.
However, you can reinvest the RMD amount into other types of financial accounts, such as a taxable investment account. However, you are not allowed to return it to an IRA account.
If you have earned income equal to or greater than the RMD amount, you can contribute it to a Roth IRA.
Good luck to you!
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