Rollover RMD to Roth?

[Milk Thistle]

Just wondering if we can rollover RMD from a traditional IRA to Roth IRA.  Thanks.

[VolvoGirl · Accepted solution]

No you can't roll a RMD to anything.  You have to take the RMD out as a distribution.  Now if you have earned income from working you can use the cash to fund a new contribution.   

[DavidD66 · Accepted solution]

You cannot rollover an RMD, but if you can contribute the distribution amount to a Roth.  You have to have earned income equal to or greater than the amount you contribute to a Roth. There are also Roth contribution rules based on your income and tax-filing status.  See Amount of Roth IRA Contributions That You Can Make For 2023