What do I do with my Roth 401k now that I’m leaving? Isn’t there some 5 year rule ?

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Posting as :
works at
You are currently posting as works at

Just roll it over to Vanguard/Fidelity/Your provider of choice.

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What you can do
Roll over a traditional 401(k) into a traditional IRA, tax-free.
Roll over a Roth 401(k) into a Roth IRA, tax-free.
Roll over a traditional 401(k) into a Roth IRA—this would be considered a "Roth conversion," so you'd owe taxes.

What you can't do
Convert a Roth 401(k) to a traditional IRA.

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Disclaimer: I copied this from site but is it factual correct.

Yeah that is traditional wisdom is to convert from tax-deferred accounts (traditional 401k) to a Roth. Assumption is that tax rates or the individuals marginal tax rate will be higher upon retirement instead of now.

Roll it over for a different financial institution. No need to put it in a Traditional because you already paid tax on that money.

Why a new institution?

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