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URL:  https://boards.fool.com/roth-iras-will-be-removed-from-their-tax-free-34217475.aspx

Subject:  Re: RMDs to change to 72 Date:  5/27/2019  11:25 PM
Author:  aj485 Number:  93745 of 94960

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

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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 https://www.irs.gov/pub/irs-pdf/p590b.pdf 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.

AJ
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