Quiz: Understanding Roth Conversions
Test your basic knowledge of Roth conversions in our quick quiz.
A Roth IRA conversion is one of the most powerful moves a retirement saver can make, offering the promise of tax-free growth and tax-free withdrawals forever. A Roth conversion allows you to move pre-tax money from a traditional IRA or 401(k) into a Roth IRA, fundamentally changing how your retirement savings will be taxed. Unlike contributions, there are no income limits on conversions, making them a key tool for high-net-worth individuals and those planning for Required Minimum Distributions (RMDs).
From the tax implications on the conversion itself to the separate withdrawal rules that apply, understanding this financial maneuver is essential for optimizing your tax bill in retirement. Take this 10-question True/False quiz to determine if you truly understand the powerful mechanics of this tax-smart retirement strategy.
And don't worry if you miss an answer; you can follow the links below the quiz to brush up on your knowledge.
From just $107.88 $24.99 for Kiplinger Personal Finance
Become a smarter, better informed investor. Subscribe from just $107.88 $24.99, plus get up to 4 Special Issues
Sign up for Kiplinger’s Free Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
More on Roth IRAs and Conversions:
- 6 Changes to IRAs, 401(k)s and HSAs in 2026
- Roth IRAs: What They Are and How They Work
- Want to Avoid the IRMAA? Consider a Roth Conversion
- Should You Convert a Traditional IRA to a Roth after 60?
- IRA Conversion to Roth: Rules to Convert an IRA or 401(k) to a Roth IRA
- Backdoor Roth IRAs: Help Your Kids Keep More of Their Inheritance
- Roth IRA Contribution Limits for 2026
- Average IRA Balance by Age and Generation
-
Small Caps Can Only Lead Stocks So High: Stock Market TodayThe main U.S. equity indexes were down for the week, but small-cap stocks look as healthy as they ever have.
-
Ask the Editor: Tips for Filing Your 1040Ask the Editor In this week's Ask the Editor Q&A, Joy Taylor answers questions on preparing and filing your 2025 Form 1040.
-
Is Direct Primary Care Right for Your Health Needs?With the direct primary care model, you pay a membership fee for more personalized medical services.
-
If You're in the 2% Club and Have a Pension, the 60/40 Portfolio Could Hold You BackIncome from your pension, savings and Social Security could provide the protection bonds usually offer, freeing you up for a more growth-oriented allocation.
-
Bye-Bye, Snowbirds: Wealthy Americans Are Relocating Permanently for Retirement — and This Financial Adviser Can't Fault Their LogicWhy head south for the winter and pay for two properties when you can have a better lifestyle year-round in a less expensive state?
-
Consider These 4 Tweaks to Your 2026 Financial Plan, Courtesy of a Financial PlannerThere's never a bad time to make or review a financial plan. But recent changes to the financial landscape might make it especially important to do so now.
-
Is a Caregiving Strategy — for Yourself and Others — Missing From Your Retirement Plan?Millions of people over 65 care for grandkids, adult kids or aging parents and will also need care themselves. Building a caregiving strategy is crucial.
-
6 Financially Savvy Power Moves for Women in 2026 (Prepare to Be in Charge!)Don't let the day-to-day get in the way of long-term financial planning. Here's how to get organized — including a reminder to dream big about your future.
-
I'm a Real Estate Expert: 2026 Marks a Seismic Shift in Tax Rules, and Investors Could Reap Millions in RewardsThree major tax strategies will align in 2026, creating unique opportunities for real estate investors to significantly grow their wealth. Here's how it works.
-
When Can Tax Planning Be an Act of Love? This Family Found OutHow can you give stock worth millions to a loved one without giving them a huge capital gains tax bill? This family's financial adviser provided the answer.
-
The Paradox Between Money and Wealth: How Do You Find the Balance?Wealth reflects a life organized around relationships, health, contribution and time — qualities that compound differently than money in a mutual fund.
