Many of us like the idea of a Roth IRA but cringe at the thought of converting a Traditional IRA to have one. No one really likes to pay taxes any sooner than required. Now the IRS has finally cleared up the rules on transferring from a 401(k) account to a Roth IRA.
Taxpayers can split off their after-tax money in their 401(k) account and send it directly to a Roth IRA.
Roth IRA accounts, under current tax law, accumulate interest on a tax free basis and do not require minimum distributions at age 70.5. This account may be the answer for your after-tax deposits in your 401(k).

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