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: 882
- 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 Prices2026-05-08
| Fund | Price | Day | YTD |
| G | $19.88 | 0.01% | 1.51% |
| F | $21.00 | 0.22% | 0.55% |
| C | $118.83 | 0.86% | 8.51% |
| S | $110.65 | 0.35% | 10.20% |
| I | $63.40 | 0.56% | 14.25% |
| L2075 | $12.28 | 0.68% | 10.68% |
| L2070 | $14.05 | 0.68% | 10.68% |
| L2065 | $23.71 | 0.68% | 10.68% |
| L2060 | $23.72 | 0.68% | 10.68% |
| L2055 | $23.72 | 0.68% | 10.68% |
| L2050 | $45.30 | 0.58% | 9.01% |
| L2045 | $20.36 | 0.54% | 8.55% |
| L2040 | $73.27 | 0.51% | 8.09% |
| L2035 | $19.02 | 0.47% | 7.56% |
| L2030 | $61.91 | 0.40% | 6.55% |
| Linc | $30.42 | 0.21% | 4.04% |