roth ira

[Gary]

to my knowledge a roth ira cannot be rolled into a defined benefit plan (or a profit sharing plan for that matter). Is that correct? I realize it makes no sense to roll a roth into a qual plan but some people seem to think it is a good idea to roll into a qual plan for protection against crediters.

thanks

[K2retire]

If the profit sharing plan includes 401(k) provisions and a Roth option it should be no problem.

[QDROphile]

Except I can't find where the law allows it.

[rcline46]

Currently, you CANNOT roll a Roth IRA into a qualified plan even if it has Roth features.

[Gary]

Yeah there seems to be no rules re: a Roth IRA being rolled over anywhere except to another Roth IRA. All kinds of ways to roll over, transfer, convert TO a Roth, but not the reverse. Of course once you have a Roth there really isn't any incentive to move it.

[Guest Rajeev]

The only one incentive I can think of is when the Roth IRA is invested in an investment that could generate UBTI, then it is better to have the Roth 401(k) option as there is no UBTI in the qualified plans as there is for IRA's