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Brett, no tax is due on any of these transactions until you take distributions from the account. In the case of the Roth, provided the distributions are according to the rules, no taxes are due ever.

In the case of the 401K, when taken according to the rules, you are taxed at ordinary rates based on the amount of funds distributed. If you made after tax contributions, a portion of those is deducted each year, but generally the cost of the mutual funds or whether or not you sold them at a profit has no effect on the amount of taxes paid when the funds are distributed from the account.
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