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Level 2
posted Mar 14, 2023 7:44:32 PM

Rollover RMD to Roth?

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

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2 Best answers
Level 15
Mar 14, 2023 7:52:39 PM

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.   

Expert Alumni
Mar 14, 2023 8:00:33 PM

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

2 Replies
Level 15
Mar 14, 2023 7:52:39 PM

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.   

Expert Alumni
Mar 14, 2023 8:00:33 PM

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