对，好像不可以，帮你网上搜了

来源: 偷油老鼠 于 2025-12-23 16:34:11 [] [旧帖] [给我悄悄话] 阅读数 : (3378 bytes)
  • Rollover to a Roth IRA: Under the SECURE 2.0 Act, you can roll over unused 529 funds into the beneficiary's Roth IRA, subject to certain conditions:
    • The 529 account must have been open for at least 15 years.
    • Funds contributed within the last five years (and their earnings) are ineligible.
    • The annual rollover is limited to the yearly Roth IRA contribution limit (e.g., $7,000 for 2025).
    • There is a lifetime maximum rollover limit of $35,000 per beneficiary.
    • The beneficiary must have earned income at least equal to the rollover amount in the year of the transfer.
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所有跟帖： 

• 不是一回事，这里指转儿子 529 到孙辈 的529，不是转Roth -数学博士- ♂ 给 数学博士 发送悄悄话 数学博士 的博客首页 (0 bytes) () 12/23/2025 postreply 16:51:06

• 你说得对，529可以转给beneficiary's children，without tax. -静雨- ♀ 给 静雨 发送悄悄话 (0 bytes) () 12/23/2025 postreply 18:25:07

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