Roth 401-K RMD for 2022 ?

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  • RWG1950
    Senior Member
    • Nov 2017
    • 461

    #1

    Roth 401-K RMD for 2022 ?

    I file a schedule "C" and have a Vanguard solo 401K plan (no employees) and will turn 72 in 2020.
    All employee deferral contributions over the years were made into the Roth 401-K portion. No employer pre-tax contributions were ever made.
    It is my understanding that, as more than a 5% owner, I will need to take an RMD from the plan beginning this year.
    Do I have this correct ? Thanks for comments.
  • RWG1950
    Senior Member
    • Nov 2017
    • 461

    #2
    I meant to say I turn 72 in 2022.

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    • jmcdtax
      Member
      • Nov 2011
      • 74

      #3
      See Taxbook 13-22. RMD rules do not apply to Roth IRAs but they do to Roth 401K plans. Could you rollover the 401K to a Roth IRA and avoid RMDs?

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