Reply To: 401(k)-Roth Rollover

Home Fairmark Forum Retirement Savings and Benefits 401(k)-Roth Rollover Reply To: 401(k)-Roth Rollover

Alan S.

Bruce, a Roth 401k holding period does not transfer to the Roth IRA, however when the Roth 401k was qualified (5 years plus 59.5) as is the case here, the entire rollover is treated as regular Roth IRA basis and can be distributed from the Roth IRA tax free. However, for earnings generated in the Roth IRA to be qualified, the Roth IRA must be held 5 years plus age 59.5.