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 Prices2026-04-15
| Fund | Price | Day | YTD |
| G | $19.83 | 0.01% | 1.22% |
| F | $21.03 | -0.14% | 0.69% |
| C | $112.75 | 0.81% | 2.96% |
| S | $106.53 | 0.40% | 6.09% |
| I | $61.41 | 0.10% | 10.67% |
| L2075 | $11.76 | 0.50% | 6.01% |
| L2070 | $13.46 | 0.50% | 6.02% |
| L2065 | $22.71 | 0.50% | 6.02% |
| L2060 | $22.72 | 0.50% | 6.02% |
| L2055 | $22.72 | 0.50% | 6.02% |
| L2050 | $43.70 | 0.41% | 5.18% |
| L2045 | $19.68 | 0.38% | 4.94% |
| L2040 | $70.98 | 0.36% | 4.71% |
| L2035 | $18.46 | 0.33% | 4.44% |
| L2030 | $60.36 | 0.28% | 3.90% |
| Linc | $30.00 | 0.14% | 2.60% |