RMDs get the money out of the IRA (or other retirement account) umbrella. The withdrawal itself is taxable, and any earnings the withdrawn money generates are also taxable.If you could roll the RMD into a Roth, only the withdrawal would be taxable. The earnings would continue to be tax sheltered.aha!the difference is that 'conversions' are voluntary .. if we let you convert, we let your gains be not-taxable in order to get the tax on 'principle' when we force an RMD, we want the tax on both.** Like you, I find a lot more common sense in the tax law than most people, probably from working as a CPA and tax preparer for the bulk of my career.don't know i'd call it 'common sense' so much as "a KIND of logic"......perhaps a long enough career in the business and it begins to look more like Common Sense (i was a Muni Bond lawyer for only four yrs)(>:
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