OK you can’t put your RMD money in a ROTH, but you can roll some or all of your conventional IRA into a ROTH. Consider tax consequences of doing that.
If your not 70 1/2 it might be a good idea to look at an RMD calculator. Plug in the numbers to see the results. Hypothetically you will still have money at age 100 left in your IRA. The downside is that the withdrawal percentages keep going UP which takes away some control from you. Of course for 2018 if your IRA lost value your RMD will be less even though the percentage it is based on goes up.
Consult your favorite Investment Advisor for the facts.
I naively thought I could meet the withdrawals requirement by taking out some money, not realizing that there is a REQUIRED withdrawal amount. Yes, I have a have an advisor. Apparently those portfolio “chat sessions” twice a year don’t cover all the important relevant topics.
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