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247 Wallst

02 Jul 2026, 00:34 UTC · 2h ago

The 529-to-Roth Rollover: Turn Up To $35,000 of Leftover College Money Into Tax-Free Retirement

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What matters in this story

1
Under SECURE 2.0, unused 529 college savings can now be rolled over into a Roth IRA tax- and penalty-free up to a lifetime limit of $35,000. — This increases the utility and attractiveness of 529 plans, potentially increasing long-term inflows into tax-advantaged retirement vehicles.
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2
The rollover is subject to an annual cap of $7,500, meaning the maximum lifetime limit takes approximately five years to reach. — The slow pace of the transfer limits the immediate impact on liquidity or asset reallocation.
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3
Eligible rollovers require the 529 account to have been open for at least 15 years and the beneficiary to have earned income equal to the rollover amount. — These are restrictive eligibility criteria that limit the total pool of participants who can utilize the benefit.
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