Rollover RMD to Roth?

Forum|Forum|3 years ago
March 15, 2023
2 replies
45 views

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

Best answer by VolvoGirl

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.

VolvoGirlAnswer

Level 15

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

Level 15

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

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