401K RMD

Submitted by Frank Dogger on Fri, 2023-04-28 14:28

If someone is still working, is the owner of the business, has reached full retirement age, can they take their RMD and put it into a Roth ?
Frank Dogger



Submitted by David Mertz on Fri, 2023-04-28 15:31

  • An RMD is not permitted to be rolled over to a Roth account (or to any other type of account).
  • Just like any other cash, cash from the RMD can be used to fund a new regular Roth IRA contribution provided that the individual’s MAGI and filing status permit the individual to make the Roth IRA contribution and the individual has sufficient compensation to support the contribution.

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