Questions and answers about Roth in-plan conversions
Your plan might have adopted an expanded Roth in-plan conversion feature. This feature would allow you to convert all or part of your pre-tax and traditional after-tax money to Roth money …
Roth in-plan conversions - The Thrift Savings Plan (TSP)
Dec 12, 2025 · You have the option to convert a portion of money from your traditional (pre-tax) balance to your Roth (after-tax) balance in your TSP account. This is called a “Roth in-plan …
In-plan Roth conversion: How it works, benefits, taxes - Empower
Dec 24, 2025 · What is an in-plan Roth conversion? An in-plan Roth conversion allows retirement savers to transfer eligible pre-tax or post-tax funds from their employer-sponsored retirement …
How Does a Roth In-Plan Conversion Work? - SmartAsset
Mar 20, 2025 · A Roth in-plan conversion allows employees to shift pre-tax retirement savings within an employer-sponsored plan, such as a 401 (k), into a designated Roth account. This …
In-Plan Roth Conversion: An in-plan Roth 401(k) conversion is a transfer from any non-Roth account, e.g., a 401(k) account, to a Roth 401(k) account within the same plan.
The ins and outs of the in-plan Roth conversion - Capital Group
Moving plan assets from a traditional, pretax retirement account to a Roth account may help some plan participants meet their savings goals. Learn the basics about how this can be done within …
Using In-Plan Roth Conversions to Maximize Your Retirement …
Aug 19, 2025 · In essence, an in-plan Roth conversion involves transitioning vested funds from one account type to another to secure tax-free withdrawals in the future while incurring tax …
Roth in-plan conversion overview - content.govdelivery.com
Starting in January 2026, you’ll be able to convert money from your traditional (pre-tax) TSP balance to your Roth (after-tax) TSP balance. This new feature is called a “Roth in-plan …
401 (k) In-Plan Roth Conversions: What They Are and Who …
🔍 What Is an In-Plan Roth Conversion? An in-plan Roth conversion allows you to move pre-tax assets from the traditional side of your 401 (k) into the Roth side.
A: If your plan provides, an employee eligible to take a distribution or a surviving spouse can convert their account balance to a Roth designated account via an in-plan rollover.