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Subject:  Re: RMDs to change to 72 Date:  5/27/2019  11:25 PM
Author:  aj485 Number:  93745 of 96904

Roth IRAs will be removed from their tax-free status sooner. - aj485


Huh??? I clearly missed something. Could you elaborate a little or provide a link.

Roth conversions are a big part of my retirement portfolio management.

The part of the sentence you quoted is referring to Roth IRAs inherited by a non-spouse. Here's the context that you missed:

after Dec 31, 2019, all IRAs inherited by non-spouses will now need to be fully distributed within 10 years of the owner's death (with a few exceptions, like for minor children). Thus, Traditional IRAs will get taxed in a shorter timeframe and with higher distributions than likely would have been required, and Roth IRAs will be removed from their tax-free status sooner.

Right now, Roth IRAs have required RMDs, based on the age of the beneficiary. But based on Table I of IRS Pub 590-B the beneficiary would have to be at least 101 at the time of the owner's death in order to be required to withdraw the entire IRA within 10 years.

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