Can I roll my IRA from vanguard into my PwC 401k? Rolled it into vanguard from my last company not knowing that that would block me from doing back door Roth IRA contributions. Thanks.

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Yes but I wouldn’t recommend it. The options within the PwC plan aren’t great

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OP sounds like you understand correctly.

Yes. Unless the current 401(k) has a statement in the plan prohibiting it, which would be rare-plans want to make money! Make sure you like the investment options in the new plan before rolling it

Are you blocked from contributing? I thought you just had to pay tax on a portion of your non- deductible 401K contributions that you rolled to an IRA based on relative value of pre/post tax Ira contributions. Could be wrong as have not contributed in quite some time.

Sorry bad wording. Not blocked but I don’t have the cash to pay the taxes right now.

It would be dumb to convert it back as Vanguard has low to no fees and you can self direct into more funds vs if you leave pdubs. More likely than not you’re not blocked but rather you need set up a traditional IRA account within your vanguard account separate from your rollover to do the back door. Here is a website for vanguard back door w 2021 screenshots. https://www.physicianonfire.com/backdoor/

GT 1 I am assuming that they are worried about how it affects backdoor Roth because they are over the limit to contribute to Roth. What they propose doing is the proper way to get past that issue, other than converting the entire traditional Ira to Roth and paying taxes.

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