The Roth 5-Year Rule You Need to Know

You need to be aware of the 5-year rule that comes with a Roth IRA any time you make a conversion or rollover from your 401K.
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[@jeffe7172]

If the Roth is already older than 5 years. And I rollover a Roth 401k into it, and I’m over 59 1/2. Do I still have to wait the remainder of 5 years for rollover portion?

[@alrocky]

Q1 No. At 59.5 withdrawing from your Roth 401(k) is already tax and penalty free so rolling that Roth 401(k) to Roth IRA is not subject to 5 year rule.

[@TimHucks]

Does the five year rule start over if you transfer your Roth IRA to a different brokerage (for example, Vanguard Roth IRA to Fidelity Roth IRA)?

[@alrocky]

No, the 5 year does not start over.