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Learning, Sharing, and Teaching => Ask a Mustachian => Topic started by: RabStache on October 31, 2014, 07:58:34 AM

Title: Roth Rollover Withdraw Question
Post by: RabStache on October 31, 2014, 07:58:34 AM

Hey guys.  I recently switched jobs and rolled over $5000 from a Fidelity Roth 401k to a Vanguard Roth IRA.  My questions are as follows:

• When can I withdraw the contributions (rollover) from the Roth IRA?  I think anytime, but not sure.
• If I contribute money to an After-Tax 401k and roll it over to the Roth IRA, when would that money be withdraw-able?

Title: Re: Roth Rollover Withdraw Question
Post by: Catbert on October 31, 2014, 01:09:44 PM

1.  Rollovers to Roth's must remain in the Roth for 5 years.  Contributions (new money) can be withdrawn at any time.

2.  I'm pretty sure this is 5 years also since it would be a "rollover".