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: 879
- 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 Prices2026-04-10
| Fund | Price | Day | YTD |
| G | $19.82 | 0.01% | 1.16% |
| F | $20.96 | -0.12% | 0.39% |
| C | $109.43 | -0.10% | -0.08% |
| S | $103.12 | -0.39% | 2.70% |
| I | $60.31 | 0.45% | 8.68% |
| L2075 | $11.46 | 0.05% | 3.31% |
| L2070 | $13.12 | 0.05% | 3.31% |
| L2065 | $22.13 | 0.05% | 3.31% |
| L2060 | $22.14 | 0.05% | 3.31% |
| L2055 | $22.14 | 0.05% | 3.31% |
| L2050 | $42.77 | 0.04% | 2.92% |
| L2045 | $19.29 | 0.03% | 2.82% |
| L2040 | $69.63 | 0.03% | 2.72% |
| L2035 | $18.14 | 0.03% | 2.61% |
| L2030 | $59.47 | 0.03% | 2.35% |
| Linc | $29.77 | 0.02% | 1.79% |