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Level 1
posted Jun 26, 2024 1:58:50 PM

Roth Conversion to Already Existing Roth Account

Does the 5 year rule apply to all funds in a Roth account?   I already have a Roth account with say $100k.   This year I want to roll another $100k from a regular IRA to my Roth account.   Does the 5 year rule affect the entire $$200K now in the account, or just the $100k that was rolled over this year?

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1 Replies
Level 15
Jun 26, 2024 2:01:41 PM

If the 5 year rule is satisfied by your first account all subsequent ones are satisfied as well.