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akamrbill47
Level 2
Feb 13, 2022 7:57 PM UTC
Question

IRA conversion

Can a RMD , from a Traditional IRA be rolled over to a Roth IRA, via the back door rollover?

    4 replies

    VolvoGirl
    VolvoGirl
    Level 15
    Feb 13, 2022 8:05 PM UTC

    No.  You have to take the RMD and pay tax on it.   But You can use the money from the RMD to fund a new contribution if you have earned income to qualify to make a contribution.  

      Employee Tax Expert
      DanaB27Employee Tax Expert
      Employee Tax Expert
      Feb 13, 2022 8:21 PM UTC

      No, RMD cannot be rolled over or converted (IRS). The exception only applied to 2020.

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