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Subject:  Re: Rolling Over 401k into Roth IRA Date:  1/17/2004  11:46 AM
Author:  W401K Number:  38606 of 81362

You can not roll from a 401k directly into a ROTH. You must roll into a traditional IRA first then a ROTH, second, as Dsemmler points out, almost all 401ks do not allow for in service withdrawals. You must separate from service, reach the defined retirement age, or become disabled. ( a bit extreme to get a rollover)
You can then roll the 401k to a traditional then convert the traditional to a ROTH. If you are years away from retirement, this is probably a good strategy. Remember, you will pay tax on any amount converted to the ROTH so you may want to do this systematically instead of a lum sum event.

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