karl Posted April 24, 2014 Share Posted April 24, 2014 A participant in a plan being terminated has traditional source money and some Roth 401k. For the Roth 401k can the participant elect to cash out just what they contributed and then rollover the earnings with the other traditional monies? Link to comment Share on other sites More sharing options...
BG5150 Posted April 24, 2014 Share Posted April 24, 2014 Don't withdrawals from Roth have to be done pro-rata, after-tax to earnings? QKA, QPA, CPC, ERPATwo wrongs don't make a right, but three rights make a left. Link to comment Share on other sites More sharing options...
MWeddell Posted April 24, 2014 Share Posted April 24, 2014 Yes to karl and yes to BG5150. One can elect to receive the after-tax portion of the distribution and to rollover the pre-tax portion. Roth 401(k) (unlike Roth IRA) partial withdrawals are taken pro rata from earnings and contributions. However, that doesn't prevent one from rolling over just the earnings portion. Link to comment Share on other sites More sharing options...
karl Posted April 24, 2014 Author Share Posted April 24, 2014 Thanks for the help! Link to comment Share on other sites More sharing options...
QDROphile Posted April 24, 2014 Share Posted April 24, 2014 Although this article relates to Roth conversions, it it worth reading for the rollover, pro-rata, and ordering principles involved with attempted splits. http://www.kitces.com/blog/splitting-after-tax-401k-distributions-for-roth-conversion/ Link to comment Share on other sites More sharing options...
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