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Subject:  401K RMD to Roth IRA Date:  5/9/2014  6:50 AM
Author:  maxtax Number:  74966 of 99735

I received the following response to a question to my 401K provider. The question was, "Will IRS permit me to roll-over my 401K RMD into my ROTH IRA?"

"I am pleased to confirm that you are allowed to direct your Required Minimum Distribution (RMD) to a Roth IRA if you have earned income in the year of the rollover. Since the RMD will be taken out and taxed, the monies arriving in the Roth IRA will be treated as a contribution. In order to make a contribution to a Roth IRA, you must have earned income. Also, it is important to keep in mind that your RMD must be within the Roth IRA contribution limits. "

Any opinions?
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