Roth 401K Distribution

Submitted by Karol Quiring on Tue, 2017-06-20 17:22

I discovered that I must take a distribution from my Roth 401K. ( Age 70) Since the 401K plan is only 2 years old, it looks like there may be a taxable portion. The research states that the ordering rules are different than for a regular Roth distribution but I can’t find the rules. Can anyone help me?



Submitted by Alan - IRA critic on Tue, 2017-06-20 17:52

Basically, for a non qualified Roth 401k distribution, the earnings are pro rated with the contributions rather than coming out in a specified order like a Roth IRA distribution.  IRS Reg 1.402A-1, Q3 applies.

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