Secure 2.0 and RMD's for Roths

I read that part of the SECURE (Setting Every Community Up for Retirement Enhancement) ACT went into effect just last month. It says Roth IRA balances are no longer subject to required minimum distributions (RMD)s. I thought Roth IRA’s were never subject to RMDs. I guess I was wrong??

It was actually SECURE 2.0

It’s actually Roth balances in employer plans, like 401(k)s and 403(b)s, that are no longer subject to RMDs.

Roth IRAs are not, nor have they been, subject to RMDs. Roth accounts in employer plans were required to distribute RMDs prior to SECURE 2.0



Thank you, I appreciate you taking the time to respond. Just a shot in the dark, but do you have any insight on Ira? We did tie in with him and his better half a few years ago in October, in Brooklyn. Had a great time. But now any emails go unanswered, and his phone just to voicemail. And it has been a very long time since he has posted here. Thank you again

Sorry, no idea. I will point out that it is tax season, so he’s probably pretty busy right now.


Hope this isn’t a bad omen, but last posted in Sept 2022, last visit to the site was Jan 2023. I sure hope he’s doing ok…

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