Why not do the whole conversion in-kind at the start of the year? Then you can switch the fixed income to equities within the Roth whenever you want, but in the meantime the fixed income dividends will be accruing inside the Roth.
For us, DW does her QCDs whenever she gets around to it, but typically early in the year, and then completes her RMD without withholding. After that we start doing her in-kind Roth conversions of a stock index fund, with a relatively small final conversion in December after we know our end or year distributions and can top off the 24% bracket. I reserve enough of my RMD to take a mostly withheld distribution that hits a safe harbor in the first week or two of December. So Roth is mostly done early in the year and safe harbor taxes are almost entirely paid in December.
For us, DW does her QCDs whenever she gets around to it, but typically early in the year, and then completes her RMD without withholding. After that we start doing her in-kind Roth conversions of a stock index fund, with a relatively small final conversion in December after we know our end or year distributions and can top off the 24% bracket. I reserve enough of my RMD to take a mostly withheld distribution that hits a safe harbor in the first week or two of December. So Roth is mostly done early in the year and safe harbor taxes are almost entirely paid in December.
Statistics: Posted by Rocinante Rider — Mon Dec 29, 2025 7:30 am — Replies 3 — Views 155