If your company has a 401(k) plan with a Roth component, direct transfers from the 401(k) to the Roth are allowed without penalty (even for those under age 59 1/2). The transfers, called in-plan Roth rollovers, are taxable but earnings will grow tax free. The plan must permit such transfers and, once made, they cannot be undone (reconverted back to the 401(k)). Find details here.
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