dmertz
Level 15
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Retirement tax questions

"Can I convert RMD funds into ROTH IRA?"

 

A Roth conversion is defined in the tax code as a type of rollover, and rollover of an RMD is not permitted.

 

What you can do is use the cash from an RMD to fund a regular Roth IRA contribution, subject to the limitations on eligibility to make a regular Roth IRA contribution as would be the case with cash from any other source.

 

The following IRS webpage addresses eligibility to make contributions:

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-li...

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