2024 RMD - Participant has Traditional and Roth Sources

[Vlad401k]

Let's say a participant in a 401(k) plan has $100k in Traditional sources and $50k in Roth sources as of 12/31/2023.

 

Since RMDs from the Roth sources are no longer required in 2024, would it be correct that only the $100k Traditional balance would be considered for calculation of RMD required for 2024?

 

Thanks.

[Tom Veal]

Yes, that is correct.  Assuming that the participant is past his required beginning date, a Roth RMD was required for 2023 but never again until after the participant's death.