I am retired, and started RMD last year. I am looking forward to using the ROTH conversion to meet RMD requirements WHILE being able to grow my TSP.
My understanding is I can convert the RMD amount to ROTH, pay the required taxes using other funds, and still keep my total TSP investments the same (i.e. currently 20% of $550,000 in L2060; 80% in I -- with annual return at 8% to-date this year). Is that true?
ROTH with RMD
Moderator: Aitrus
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Scarfinger
- Posts: 893
- Joined: Mon Jan 30, 2012 12:00 am
Re: ROTH with RMD
You can not satisfy the RMD with a conversion. You will need to take the RMD first. Once the RMD is satisfied, then you can convert any amount after that to Roth.
I am just an average Joe. I have no clue to what the market will do.
Benchmark: L-2035 Fund
Balanced allocationTimboSlice wrote: "People really need to stop overthinking this."
Benchmark: L-2035 Fund
Re: ROTH with RMD
Scarfinger is correct. The only way you can put any of the RMD in a Roth is if you have W2 or SE earnings, are under the contribution limits and within the annual limits
Fund Prices2026-10-09
| Fund | Price | Day | YTD |
| G | $20.28 | 0.01% | 3.55% |
| F | $20.40 | -0.02% | -2.31% |
| C | $126.08 | 0.61% | 15.13% |
| S | $113.78 | 0.79% | 13.32% |
| I | $64.30 | 0.68% | 15.87% |
| L2075 | $12.77 | 0.65% | 15.12% |
| L2070 | $14.62 | 0.65% | 15.12% |
| L2065 | $24.66 | 0.65% | 15.13% |
| L2060 | $24.67 | 0.65% | 15.13% |
| L2055 | $24.67 | 0.65% | 15.13% |
| L2050 | $46.83 | 0.54% | 12.70% |
| L2045 | $21.03 | 0.50% | 12.11% |
| L2040 | $75.62 | 0.47% | 11.55% |
| L2035 | $19.61 | 0.43% | 10.91% |
| L2030 | $63.71 | 0.35% | 9.66% |
| Linc | $31.14 | 0.19% | 6.50% |