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re: Using a Roth 401K to minimize RMDs - Good idea?

Posted on 4/3/24 at 4:30 pm to
Posted by TorchtheFlyingTiger
1st coast
Member since Jan 2008
2142 posts
Posted on 4/3/24 at 4:30 pm to
Did he model Roth conversions after you retire in 10-12 yrs? Aggressive Roth conversions for 10 years could reduce RMDs.

Another consideration, if one of you passes the tax burden on the remaining single filer might be even higher.
Posted by FortunateSon
Tennessee
Member since Apr 2024
19 posts
Posted on 4/3/24 at 9:19 pm to
quote:

Did he model Roth conversions after you retire in 10-12 yrs?


Yes - he showed me the effect of switching to Roth now and it was surprisingly significant. He has pretty cool software that lets you adjust various investments so that you can see the effects on RMDs and IRMAA in 25-30 years.
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