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I remember when Roth IRAs made their appearance, folks were given a 4-year time period over which to pay the taxes on a conversion from a traditional (deductible) IRA.

Has anyone come across any information to indicate that a similar arrangement might be available for converting existing 401(k)s or 401(a)s to Roths once the arrangement goes into affect?

Also, I'm wondering how a "company match" contribution will work. Will that stay in a seperate, traditional 401(k) account or can it be lumped in with your Roth 401(k) funds? I guess I don't know whether a company contributes before-tax or after-tax income when they match contributions -- that would probably be the difference.

As an aside, I've asked my HR department about whether my company will be offering the new Roth product in January and they're "looking into it." I'll post any relevent updates.

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