No, you cannot withdraw a required minimum distribution (RMD) from one retirement account and then place those funds in another retirement account. If you have earnings/compensation that would allow you to place money into a retirement account then you can make a contribution (Traditional or Roth).
- IRA Contribution Limits
- Required minimum distributions (RMDs) are the minimum amounts you must withdraw from your retirement accounts each year. You generally must start taking withdrawals from your traditional IRA, SEP IRA, SIMPLE IRA, and retirement plan accounts when you reach age 72 (73 if you reach age 72 after Dec. 31, 2022).
- Roth IRAs do not require withdrawals until after the death of the owner. Designated Roth accounts in a 401(k) or 403(b) plan are subject to the RMD rules for 2022 and 2023. However, for 2024 and later years, RMDs are no longer required from designated Roth accounts. You must still take RMDs from designated Roth accounts for 2023, including those with a required beginning date of April 1, 2024.
The link below will help you decide which category you are in as beneficiary for the withdrawal rules.
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