No, there is usually no penalty for converting a 401(k) to a Roth IRA, but you will need to pay income taxes on the amount converted. The conversion is treated as income, so you'll need to pay taxes on the portion of your 401(k) that was pre-tax. Here are some other things to consider when converting a 401(k) to a Roth IRA: Fees There is usually no transfer fee for rolling over a 401(k) to a Roth IRA, but the account fees for the new account may be higher than the old account. Deadline The deadline to convert is December 31 of the current year. Roth 401(k) conversion If you convert a Roth 401(k) to a Roth IRA, you won't incur taxes because both accounts are after-tax. However, any employer match in a Roth 401(k) may be held in a traditional 401(k) and cannot be converted without incurring taxes. Net investment income tax The amount converted from a traditional account to a Roth account is part of your modified adjusted gross income (MAGI). If your MAGI is above the threshold, you may be subject to a 3.8% net investment income tax.
俺一个普通中产，对你们富人的帐算不过来，老了收入高不是好事吗？
转401到ROTH要扣税，税率也高，因为是在现在收入之上的收入。扣过税以后的钱（Roth）投资后的盈利A，不转Roth产生的盈利再扣税之后的净盈利是B，你认为A一定比B要高？
你去听那些退休财务的讲座，那些人都叫你搞这个。。这个不是为你好而是为他们好。。
因为你把钱拿出来交给他们管。。。
一般来说，如果你一划算，你退休以后收入太多要交太多的税，不如现在还工作的时候拿出来，这说明两件事。。。
一个是，你现在挣得太少。。。
一个是，你从N年前开始到现在，该花钱的时候花得太少，等退休了还要那么多钱干什么，好日子都过去了。。。
不是都在谈股市已经太高了吗？
俺前面发帖回应说如果认为股市太高那我们子孙401K难道没有回报？
这里面的账虽然有点复杂也有不确定性，但不能糊涂
会根据你的金额计算出每年必须取出多少钱
因为税率差不大，多数是24% 到32%
也就8%， 一百万只差8万，几百万也就差个几十万。
如果是几千万，那差的是很大的。
税率差可能到了 26% （24% vs. 50%），再加上量大。差个几百万上千万是肯定的！
你说的对，对普通中产没太大的差别，如果投资不慎，盈利不多，反而多交税了！
当然，大家都想好的一面了！
啊哈哈哈。。。。。。。。。。。。。
应对RMD。花不完的就转Roth
分清楚contribution和rollover，对正确理解退休账户很多规则至关重要：
No, there is usually no penalty for converting a 401(k) to a Roth IRA, but you will need to pay income taxes on the amount converted. The conversion is treated as income, so you'll need to pay taxes on the portion of your 401(k) that was pre-tax. Here are some other things to consider when converting a 401(k) to a Roth IRA: Fees There is usually no transfer fee for rolling over a 401(k) to a Roth IRA, but the account fees for the new account may be higher than the old account. Deadline The deadline to convert is December 31 of the current year. Roth 401(k) conversion If you convert a Roth 401(k) to a Roth IRA, you won't incur taxes because both accounts are after-tax. However, any employer match in a Roth 401(k) may be held in a traditional 401(k) and cannot be converted without incurring taxes. Net investment income tax The amount converted from a traditional account to a Roth account is part of your modified adjusted gross income (MAGI). If your MAGI is above the threshold, you may be subject to a 3.8% net investment income tax.