Hello - I'm considering making an IRA to Roth conversion this year 2020, since RMDs are not required. 1) if I add to an existing Roth account, is the entire amount now subject to the "holding it for 5 year rule" before taking a withdrawal, or just the new part added. While I'm not expecting to take a withdrawal within 5 years, one never knows. OR because of uncertainty, should I just set up an additional ROTH account, and segregate that new money so there is no question about co-mingling ROTH money and accounting?
2) On the consideration of making an IRA conversion to a Roth, OR not worrying ever about the taxes owed (eventually) waiting until I'm old enough to do a tax free charitable gift, after I'm 72 (if I don't need the money), OR at end of life give the entire amount to charity, tax free. A conversion opportunity exists now with the no RMD requirement freeing up more money to do this.....but who wants to pay the taxes now when maybe I may not need to? There's also future unknown tax law changes (like taxing the ROTH, like they eventually did with Social Security...). How should I look at this decision? Thx.