How to Roll Your Roth 401k Into a Roth IRA

The way that most retirement plans work is that while you're working, you can't really do anything with those dollars in terms of like distributing them. Some plans do allow for what are called in-service distributions where you can roll some of your vested balance into an IRA of your choosing. If pre-tax, you can roll it into a roll a IRA or Roth, you canroll it into a Roth IRA. No RMDs on either one. The differences between Roth IRAs and Roth 401ks are kind of like going away a little bit.