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Not really. While your contributions to the after-tax 401K are not taxable upon withdrawal, your appreciation in the account is taxable upon withdrawal. In the Roth, neither is taxable upon withdrawal, assuming you meet the criteria for tax- and penalty-free distributions.


So I should leave the after-tax 401K as it is with the current program - and only roll-over the pre-tax amount to avoid any tax on the appreciation?

I have meeting with Schwab in morning - thank you for your comments - any suggestions gratefully welcomed!

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