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"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:
Please check back. I'll page @dmertz.
"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:
See IRS 590B IRA Distributions. Scroll down to….
When Must You Withdraw Assets? (Required Minimum Distributions)
Distributions not eligible for rollover. Amounts that must be distributed (required minimum distributions) during a particular year aren't normally eligible for rollover treatment.
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