No, he'll have to have in-service rollover.

Without in-service rollover, he can't rollover his 401K to an IRA.  

The tax deferred portion and after-tax portion of 401K has rolled over in the same proporation.   Let's say you have 100K of pretax 401K and 10K of after tax 401K, if you want to rollorver the 100% of after tax 401K you have to rollover the 100% of pretax 401K.  

So it is misleading to say 税后401就等效于ROTH. 

所有跟帖： 

• 谢谢大家热心回答，我看了我的TIAA帐号，自投部分满19500后就停止了，其中我设定了75%Roth（after tax）， 2 -anne2- ♀ (0 bytes) () 12/13/2021 postreply 15:48:32

• 见內 -anne2- ♀ (757 bytes) () 12/13/2021 postreply 15:50:08