Stock Market

I Want to Convert $900k to a Roth Before RMDs Start. Do I Have to Wait 5 Years to Access It?

By Bullbit Editorial · March 26, 2026

WhatYou can convert a traditional IRA to a Roth IRA at any time, regardless of when you start taking Required Minimum Distributions (RMDs).
WhyHowever, you'll need to pay taxes on the converted amount in the year of the conversion.
SignalThe conversion will not trigger RMDs on the converted amount, but it will trigger taxes on the converted amount.
TargetYou can access the converted funds at any time after the conversion, without penalty or RMDs.
RiskYou'll need to consider the tax implications and potential impact on your overall tax situation before making the conversion.