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DeluxeXL t1_ja7yzue wrote

Reply to comment by tratratrakx in Alternatives to Roth IRA? (Based in USA) by tratratrakx

The act of rolling over from IRA to 401k is not subject to pro rata rule. However, do not roll over after-tax balance from IRA to 401k.

If all of your traditional IRAs are 100% pretax now, you can roll all of them over to 401k. Then you can do a clean backdoor Roth.

On the other hand, if you already made, for example, a $6k nondeductible contribution, roll over all but the $6k to 401k. (Sell all investments first so the account value stops fluctuating.)

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tratratrakx OP t1_ja8009s wrote

Got it, thank you! This seems like a good option.

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aeplus t1_ja8qzxz wrote

I hope you have better luck at this than me. My current employer's plan does not allow "reverse rollovers."

I am actually thinking about finding a federal government job just because I know for certain that the TSP allows reverse rollovers.

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